Happens uninsured driver accident

If you are stopped by law enforcement, you will be fined, and in some states, your car will get towed. If you are in an accident, you will have to pay for the costs of the accident out-of-pocket. Learn more about what you should do if you are ever in a car accident with an uninsured driver, or if you are the uninsured driver in the car accident.

If you are in a car accident and you discover that the other person does not have car insurance, follow these tips:. The procedure is similar to what you do in any accident.

When you call your insurance company, you will have to inform them that the other driver has no car insurance. You can sue the uninsured driver, but you may not recover your losses. The easiest way to protect yourself against uninsured drivers is to buy uninsured motorist coverage from your car insurance provider. Uninsured motorist coverage protects you if you are ever in a car accident with an at-fault driver who does not have auto liability insurance. If you are in a car accident with an insured driver whose policy does not cover the costs of the damages, then underinsured motorist coverage will protect you in this instance.

Learning that the other driver involved in the accident was at fault but did not have insurance adds even more unnecessary stress, as there is additional concern regarding how your injury-related losses will be covered. Michigan law requires 1 that all drivers have both a registered vehicle and no-fault insurance. In fact, a driver is unable to obtain his or her license plates without demonstrating that he or she has basic coverage.

However, sometimes drivers will cancel their insurance policy or allow it to lapse after registering their vehicle and obtaining license plates. An uninsured Michigan driver involved in an accident may be held legally liable for damages and medical wages while also being found guilty of a misdemeanor. It is important to not assume that every driver has insurance.

Your first step following an accident should be to request insurance information from the other party and you can determine at this time whether they are uninsured. You should obtain the following information:. Even if you believe your injuries are minor, let the emergency medical professionals who arrive on the scene examine you. Visit the hospital as soon as the police release you from the scene.

Inform physicians that you were in a car accident and need a thorough examination to ensure you do not have any internal or brain problems. Some injuries can not show up for hours, days, or weeks after an accident. X-rays and another testing might reveal hidden ailments that you were previously unaware of. You might receive all you need, just a portion of what you need to compensate your losses, or nothing at all if you sue the at-fault driver.

However, the lawsuit is always worthwhile since you never know what the at-fault driver has until you know them personally, and even then, you may believe you know what they have.

Never presume that the at-fault motorist is entirely devoid of assets. The motorist may have assets, such as a house, cars, jewelry, retirement funds, and other valuable items, even if they do not have enough cash to compensate your losses. If not, and the court determines that the driver is liable for damages, the court might order the driver to pay the damages. You may place a lien on the valued item to satisfy the judgment amount — or at least a portion of it — if the driver ever acquires anything of value, such as a house.

You might file a claim against your underinsured motorist coverage if the driver has some insurance but not enough to cover your losses. You might sue the defendant if the sum collected from both insurance plans is insufficient. You may not be able to collect anything if the defendant declares bankruptcy after the court issues a judgment against them. You have the option of filing a claim in bankruptcy court. A debtor must include your claim in the Chapter 13 plan if the defendant files for Chapter The extent of your injuries determines the cost of the accident.

Mild injuries may be minor and heal fast. In contrast, minor injuries may take considerably longer to recover — or not at all — if you have underlying illnesses that impact your immune system. Severe and catastrophic injuries may result in a long-term or permanent disability that needs lifelong medical care. Strains, sprains, strained muscles, torn muscles, and other soft tissue injuries Simple and complicated fractures. Amputation, either as a result of the accident or because surgeons are unable to preserve a limb, whether as a result of the accident or later injuries such as infection.

You should also inform your attorney if you have any underlying medical issues.