What to Do If You're Hit by an Uninsured Driver

Being involved in a car accident is stressful in any situation, but things can feel even more overwhelming when the driver who hit you doesn’t carry insurance. Even though auto liability coverage is required in Virginia, many drivers still choose to get behind the wheel without it. When that happens, recovering compensation for medical bills, car repairs, and lost income may require extra steps — but it’s still possible.

Immediate Steps to Take After the Accident

If you’re hit by an uninsured driver, the choices you make right away can significantly impact your ability to protect both your safety and your claim. Start by checking yourself and anyone else involved for injuries. Call the police as soon as possible so an official accident report can be created, which is an important piece of documentation for insurance claims later.

While you wait for help, collect as much evidence as you can. This includes the other driver’s contact information, the make and model of their vehicle, their license plate number, and any visible damage. Take photos or videos of the entire scene, including road conditions, traffic signs, and injuries. Once you have what you need, contact your insurance provider promptly to let them know an accident occurred.

How Your Insurance May Help Cover the Costs

If the uninsured driver is deemed at fault, your own insurance policy may be able to absorb some or all of the financial impact. Many policies include uninsured or underinsured motorist coverage, which is designed specifically for situations like this. It typically helps pay for medical bills, lost wages, and sometimes damage to your car.

You may also have optional coverages that can provide additional support. Collision coverage can help pay for repairs to your vehicle no matter who caused the crash. 

 

What to Do After a Hit-and-Run Accident

Accidents involving hit-and-run drivers follow a similar process. If the driver flees the scene and cannot be identified, your uninsured motorist coverage typically steps in to help cover costs. As with any crash, it’s essential to file a police report quickly and contact your insurer to start the claims process.

Why Legal Guidance Can Make a Difference

Facing the aftermath of an accident with an uninsured driver can be draining, both emotionally and financially. But you don’t have to handle it alone. Blank & Marcus can act as your advocate, help you understand your coverage, communicate with your insurance company, and make sure your rights remain protected at every stage.

Knowing your options and acting quickly after the crash are two of the most important steps you can take. With the right support and a clear understanding of your insurance benefits, you can minimize financial stress and pursue the compensation you need to recover.