Question: What Happens If An Uninsured Motorist Hits Me?

What should you not say to your insurance company after an accident?

What Not to Say to an Insurance Company After a Car AccidentDon’t make any statements right after an accident.

Don’t admit fault.

Don’t say you are uninjured.

Don’t give an official statement or recorded statement.

Don’t accept a settlement without consulting an attorney.

Stick to the facts.

Medical records.More items….

Should you contact your insurance company if you are not at fault?

You should always call your insurance company if you get into an accident involving another driver whether you are at fault or not, especially if the accident caused injuries or property damage. … If you want to file a claim, you’ll be required to notify your insurance company as soon as possible after an accident.

What happens if you get hit by an uninsured motorist?

If you have coverage for under-insured or uninsured motorists in your insurance policy, your insurance will pay for the damages. … Even if you don’t sue, your insurance company may take legal action to recover damages from the other driver. That means you may still need to appear in court.

Will my insurance go up if I get hit by an uninsured driver?

In the vast majority of states, insurance providers can raise rates after underinsured or uninsured claims are filed. … In fact, a nationwide study found that, on average, insurance companies will raise premiums by 9.32% after a no-fault accident resulting in an uninsured motorist claim.

Is it worth suing an uninsured driver?

Unfortunately, suing an uninsured driver is generally not a good option, from a financial standpoint. Suing an uninsured driver will not usually put much (if any) money in your pocket. This is because most uninsured drivers have little or no money or assets.

What happens if the person not at fault in an accident has no insurance?

The short answer is no. But even if you’re not at fault, you could still be penalized with fines, license suspension or even jail time (depending on your state) if you’re caught driving without auto insurance. Plus, without auto insurance, you may have to pay out of pocket for any related car damage or medical costs.

Do insurance companies go after uninsured drivers?

If you don’t have uninsured motorist coverage on your own insurance policy, you cannot make a claim or recover damages against an uninsured driver. … Insurance companies work by filing claims against other insurance companies, so if there isn’t one, there’s literally no way for the insurance company to recover damages.

Who pays for damages in a no fault state?

No-Fault Doesn’t Mean No one is at Fault Other provinces have similar laws. No-fault insurance simply means your insurance company will handle your claim and pay your damages regardless of who is determined to be at fault for causing the collision. The other person’s insurance company will do the same.

Can you sue not at fault driver?

Determining Who Can be Sued for a No-Fault Accident States that do not carry no-fault insurance laws allow a victim to pursue a claim against any driver found negligent in an accident. No-fault law states require that specific circumstances be met for litigation to be available.

Is an uninsured driver automatically at fault?

No, an uninsured driver is not always at fault. Not having auto insurance is definitely careless behavior. However, if you file a claim, what matters the most is the person who caused the accident.

Does an uninsured motorist claim count against me?

This means that if you make a claim under your policy’s uninsured motorist coverage, you cannot be penalized, and the insurance company cannot take any negative actions against you as such.

What happens to uninsured drivers?

California maintains a “No Pay, No Play” rule for drivers that are involved in accidents and are uninsured. … Of course, you may also face legal penalties for driving without insurance, including a possible license suspension and a hefty fine.

Does your insurance go up if someone hits you?

Generally, hit-and-run car accidents will not cause your car insurance rates to go up. You can file a claim for car repairs under the collision insurance portion of your policy. For hit-and-run accidents, your insurer may require you to report the accident within 24 hours of discovering the damage.