(Closed) Grrrrrr! Need Car Accident Advice – Uninsured driver!

posted 4 years ago in The Lounge
Post # 3
709 posts
Busy bee
  • Wedding: June 2014

@RedWine13:  that’s weird that they wouldn’t come, I was just in a wreck and the police came even though cars were drivable so that I had proof of filing a report and that he was at fault because he was also uninsured and my mom (whose car I was driving) will be sueing for damages as she doesn’t have uninsured motorist. It has all of his information on it which was handy. She also got a thing from the state that said if damages were over $700 and he didn’t pay his license would be suspended. But that can very depending on state I’m guessing.


Post # 4
10368 posts
Sugar Beekeeper
  • Wedding: September 2010

Where do you live, OP? I also find it weird that the cops would not come. Do you live in the US?

You should have uninsured motorist coverage if you live in the US and have full coverage insurance on your car (vs liability only insurance, which only covers your car if you are at fault, and you can usually only have if your car is paid off. If your car isn’t paid off, banks typically require full coverage).

Post # 5
317 posts
Helper bee

@RedWine13:  it really spends on what state you’re in because the law varies from state to state but typically if you have collision coverage your insurance company will pay for the damages and if the other person does not have insurance then your rates will go up even though it wasn’t your fault. If you have uninsured motorist coverage, you may have coverage to pay for treatment for your injuries but, again, expect a rate increase. You could get a lawyer and sue the driver but since he doesn’t have insurance you need make sure that the driver does have assets, like a house, that you could recoup money from otherwise there is nothing to sue them for. I’d try to get a free consultation with an auto accident lawyer to gather as much info as you can about your options and go from there. Good luck and sorry this happened to you. 

Post # 7
13101 posts
Honey Beekeeper
  • Wedding: July 2010

That is so odd that the cops wouldn’t come.  I’ve never heard of such a thing!

I got rear-ended by an uninsured driver last year (who also fled the scene and already had multiple warrents out for her arrest – that was fun!).  I had uninsured motorist coverage through my insurance so they took care of everything (after the deductable).

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