What should I do if I am in a car accident with an uninsured driver?

At the scene

1. Check for injuries and call 911 if needed. Even if injuries seem minor, a police report can be important later.
2. Call the police. An official report helps document the crash and the other driver’s lack of insurance.
3. Exchange information. Get the driver’s name, address, phone number, license number, license plate, and vehicle details.
4. Gather evidence. Take photos of vehicle damage, the accident scene, road conditions, and any injuries. Get witness contact information if available.
5. Do not accept cash at the scene or make informal deals. Damage and injuries can be more serious than they initially appear.

After the accident

1. Contact your insurance company as soon as possible. Tell them the other driver was uninsured.
2. Review your coverage. You may be protected by:
   • Uninsured motorist (UM) coverage for injuries and, in some states, vehicle damage.
   • Underinsured motorist (UIM) coverage if the other driver’s insurance is insufficient.
   • Collision coverage for repairs to your vehicle.
3. Keep records of all expenses. Save medical bills, repair estimates, rental car costs, and documentation of missed work.

If you’re seriously injured

Consider speaking with a qualified personal injury attorney. An uninsured driver may still be personally liable for your damages, although collecting compensation can be difficult if they have limited assets.

Because insurance and accident laws vary by state, the exact options available depend on where the accident occurred and what coverage you carry.