Getting into a car accident is difficult enough, but the situation becomes even more stressful when the other driver doesn’t have insurance. While most states require motorists to carry liability coverage, many people still drive without it. When this happens, it can be harder to secure compensation for medical care, lost wages, and vehicle repairs. Still, several avenues for recovery may be available.

If you find yourself in a collision with an uninsured driver, the steps you take right away are extremely important. Begin by checking for injuries and calling the police so a formal accident report can be completed. Try to gather as much information as you can at the scene, such as the driver’s contact details, the make and model of their car, and photos of the damage and surroundings. Once you’ve collected what you can, contact your insurance provider promptly to report the incident. Because many states use an “at-fault” insurance system — where the responsible driver pays for damages — the outcome will depend heavily on who is deemed responsible.

If the uninsured driver is found to be at fault, your own coverage may help absorb the costs. Many people have uninsured or underinsured motorist coverage as part of their policy. This type of protection helps pay for medical treatment, income lost due to the accident, and sometimes vehicle repairs when the other driver lacks adequate coverage. Additional protections such as collision coverage or personal injury protection (PIP) may also help cover expenses, no matter who caused the accident. Without these optional coverages, however, recovering compensation through your insurer can be more limited.

There are situations where legal action may be an option. Filing a lawsuit against the uninsured driver can provide a path to recovering compensation for damages like medical bills, repair costs, and pain and suffering. That said, this approach is usually only beneficial if the driver has the financial means or assets to pay a judgment or settlement. Speaking with a qualified car accident attorney can help you understand whether a lawsuit is worth pursuing and how to properly document your losses.

Hit-and-run accidents follow a similar process. If the other driver leaves the scene and cannot be identified, uninsured motorist coverage typically applies. You will still need to file a police report and notify your insurance company right away to start the claims process.

Managing an accident involving an uninsured driver can feel overwhelming, but you don’t have to work through it on your own. An experienced attorney can guide you through the insurance process, communicate with adjusters on your behalf, and help protect your legal rights. Understanding your policy and acting quickly after the crash are key steps toward reducing financial stress and securing the compensation you need to move forward.