If you are driving, and another driver hit you, this could be either an easy or a problematic situation. If they have insurance, you can trade information, and your insurance company will start working with their insurance company to get your car fixed. However, there will always be times when you are struck by another driver that does not have any insurance at all. When you are faced with this situation, you may wonder what you can do in order to not only get money from this other driver but also get your car repaired as quickly as possible. Here are the steps that you need to take if you are actually hit by another driver that does not have any type of car insurance.
Have A Police Report Filed
The first step is to make sure that the police are able to file a report. In that report, if they state that it is the fault of the other driver, this is information that you can use to your advantage. Official police reports will stand up in court, and it’s exactly what your insurance company is looking for. When you have a legal document which can provide them with evidence that the driver that hit you should pay for the damages because of their negligence, this is the first step of the process. If they do not have insurance, you will then need to file what is called a claim under uninsured motorist coverage.
What Is Uninsured Motorist Coverage?
This is something that you ought to be paying for with your own car insurance just in case this ever happens. It is a way of getting your vehicle repaired when the other person does not have insurance. If you do not have this particular policy, you can still file the claim, but this means your insurance rates are going to go up. You will have to pay the deductible, and then they can start the process of sending you the money so that you can have your car repaired.
File A Lawsuit Against The Other Driver
This is a very tricky situation, depending upon the amount of damage that was done. Sometimes it’s not even worth it. For example, if there is $1000 in damage that has been done, and you have to pay an attorney $300 an hour to prepare documents, and even more to represent you in court, you could end up paying more for the legal help then you would actually get back once the lawsuit is completed. Of course, you can ask for your attorney fees to be paid, but if you are suing somebody that virtually has no assets, the odds of getting any money at all is very slim. This is something you will have to discuss with your lawyer and based upon their assessment you can file or choose to simply deal with the fact that the other party was not insured.