You’re not stuck. Here’s how to get paid even when the other driver has no insurance.

Getting hit by an uninsured driver feels like getting punched twice. First the accident, then discovering they can’t pay for your damages. However, you have more options than you think.

Check Your Own Insurance First

Most people don’t know they already have protection. Look for “uninsured motorist coverage” (UM) on your policy. This covers your medical bills, lost wages, and pain and suffering when the at-fault driver has no insurance.

Additionally, underinsured motorist coverage (UIM) helps when they have insurance but not enough to cover all your damages.

Your Other Options

Even without UM coverage, you can still recover:

• Sue the driver directly – If they have assets like property or savings
• Payment plans – Courts can order them to pay you over time
• Find other responsible parties – Sometimes employers or vehicle owners share liability
• Use collision coverage – Pays for vehicle damage regardless of who’s at fault

What You Can Recover

Whether through UM coverage or lawsuits, you deserve compensation for:

• All medical expenses and future treatment
• Lost wages and earning capacity
• Vehicle repairs or replacement
• Pain and suffering
• Permanent injuries

Moreover, UM claims often settle faster because you’re dealing with your own insurance company.

Critical Mistakes to Avoid

Don’t ruin your claim by:

• Accepting quick lowball settlements
• Failing to notify your own insurance
• Missing filing deadlines
• Giving recorded statements that hurt your case

Why Insurance Companies Fight You

Here’s the truth: your own insurance company will try to pay you as little as possible. They’ll claim your injuries aren’t serious or argue you’re partly at fault to reduce what they owe.

At the Law Offices of Roderick C. White, we have over 70 years of combined experience fighting insurance companies across Texas, Missouri, Illinois, and Kansas. We know their tricks, and we know how to win.

Don’t let an uninsured driver leave you paying for their mistake.

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