Driving without insurance is illegal.

What happens if an uninsured driver hits you. But if it is determined that the driver that hit you was uninsured then an uninsured motorist claim is filed with your insurance carrier. Although these uninsured drivers can still file a claim against the insured driver insurance companies will often report these uninsured to the state. Your insurance company will pay for your damages up to the limits of your policy and they will likely pursue monetary recovery from the at-fault party who didnt have insurance.

Should you hit an uninsured motorist you dont want to just drive away and forget about it. So if youre not sure you might want to check if your car has valid insurance. A car accident of any kind can be stressful but when a collision happens involving an uninsured or underinsured driver the results can be even more stressful.

So if you have car insurance and you hit an uninsured driver your insurance company will cover you. What is Uninsured Motorist Coverage UM. Regardless of whether the driver who hits you has insurance you should take these five steps after the accident to protect yourself.

Getting hit by an uninsured driver can be complicated. If a driver refuses to give their information youll need to tell the police. If it goes to court the fine could be unlimited and you could be banned from driving.

This helps protect you against anyone who does not have insurance. Use uninsured motorist coverage. You could get a 300 fine and six penalty points on your licence.

The uninsured driver may still have to pay penalties for driving without car insurance. If you have Uninsured Motorist Coverage with your own insurance company it will help cover the damages and medical expenses. If you dont have uninsured motorist coverage on your own insurance policy you cannot make a claim or recover damages against an uninsured driver.