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What Happens If the Person Causing The Accident Doesn’t Have Insurance?

Updated: Feb 23, 2023

Although we at the Bryant Law Firm hope it never happens, let’s talk about your choices after an auto accident caused by an uninsured driver. Twenty percent (20%) of drivers on the highways do not have insurance coverage. There are several reasons why a driver may not have bought insurance coverage.

  • Their policy lapsed and they do not yet know it

  • They are an excluded driver and driving another person’s vehicle

  • The driver is unable to get insurance but has to drive anyhow

Many people wonder, “If the person who hit me does not have insurance, how do I file a claim and against who?” If you have purchased Uninsured Motorist (“UM”) insurance on your vehicle, you are prepared. This means that when hit by a driver that does not have insurance or if a driver flees the scene and has not been found, your Uninsured Motorist Coverage can provide you with relief from the accident.

Many times, UM insurance may have been purchased on your auto policy when you first bought the coverage. UM is coverage that offers protection if you are involved in an accident and the other driver lacks liability insurance or lacks enough liability insurance to cover all your damages (medical bills, pain, and suffering, etc.).

We at the Bryant Law Firm HIGHLY recommend purchasing this option to your policy, as it will protect you from uninsured drivers on the highways. Unfortunately, Alabama Law does not require motorists to carry this coverage. If you have been in a wreck with an uninsured driver, call us today. The Bryant Law Firm can help investigate if you may have UM coverage available to you.


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