Can I sue an uninsured driver?

Can I sue an uninsured driver?
There are millions of uninsured drivers driving on the road right now. If you get hit by an uninsured driver, you might be wondering, can I sue the uninsured driver? In a word: Yes. You can sue an uninsured driver. But the bigger question is - is it worth it? Check out this video learn more.
Hi, Barry Zlotowicz with the LawFull channel. I am a Chicago personal injury attorney. I spend most of my time handling auto accidents. A lot of those cases involve uninsured drivers. As such, I get asked whether my clients can sue an insured driver.
According to the Insurance Information Institute, around 13% of all drivers driving on the road are uninsured. There are around 220 million licensed drivers in the United States. That means there are around 28 million uninsured drivers driving in our country.
In my home state of Illinois, there are approximately 8,500,000 licensed drivers. That means, there are over 1.1 million uninsured drivers in Illinois.
What does that mean for you? Well, it means that you are at risk of getting hit by someone with no auto insurance every time you get in your car.
By the way, the state with the highest level of uninsured drivers? It’s Florida where it is estimated that 27% of all drivers are uninsured according to a story by CBS News. That’s over 1 in 4 drivers. Next time you’re driving in Florida, look around. Out of the 4 cars driving around you, 1 of them does not have insurance.
So if you get hit by an uninsured driver, you can sue them. The problem is, if the uninsured driver doesn’t have the resources to buy auto insurance, they probably don’t have enough money or financial assets to compensate you for your damages.
So if you do get hit, what do you do? First, you do not just take the driver’s word at the scene of the accident that he or she is uninsured. Take down his/her driver’s license number, license plate number and contact information. Provide that to your auto insurance company which has access to resources to determine if the driver was actually uninsured.
Second, it may be that the driver had insurance but it lapsed prior to the accident. This is a very common scenario. In that case, still file a claim with the defendant’s auto insurance company. Do not just take his/her insurance company’s word that the driver is uninsured. Make them provide you a letter documenting the fact that the driver is uninsured. Your insurance company will likely require that before they compensate you anyways.
So you’ve determined that the driver doesn’t have insurance. There are a couple situations where I have recommended that people file a lawsuit against the uninsured driver:
1. First, when both parties are uninsured. In Illinois if your damages are under $10,000 you can use small claims court.
2. The other situation where I’ve seen a lot of people file suit is in a case where the innocent party has liability insurance (in case they caused the accident) and they may even have uninsured motorist. But they don’t have collision coverage to get the damage to your car fixed.
In this case you might as well file and see if you can recover anything from the defendant by filing in small claims court.
So we’ve determined that you can file a lawsuit an uninsured driver. But the most important thing you can do, is to avoid this situation altogether. Make sure you have the right and enough auto insurance to protect you. You cannot control what insurance the other guy has, but you can control what you have
I’m specifically talking about having enough uninsured and underinsured motorist coverage and also collision coverage. Every state has their own rules about uninsured coverage - or UM coverage.
For example, in Illinois, if you have liability coverage, then you also automatically have UM coverage. If the driver who hit you is uninsured, you can seek reimbursement for your medical bills and your pain and suffering from your own insurance. Although you may not have collision coverage.
When you seek compensation from your own insurance company, you become adverse - meaning, your insurance carrier will try and pay you as little as they can just as if you were the opposing party.
So how much uninsured motorist coverage should you have? People always think they have full coverage. Usually that means they have the minimum amount of insurance. The minimum amount is no close to enough insurance. If you are able, I always recommend that drivers have at least $100,000 in uninsured/underinsured motorist coverage and collision coverage. If you get in a serious accident, $25,000 might not even cover your medical expenses let alone compensate you for your pain and suffering.
Thanks for checking out this video. Please consider subscribing to our channel. And if you have any questions or comments, feel free to reach out to me, if I can’t help you, I will find someone who can.
[e-mail]
www.chicagolegalgroup.com

[@Peekaboos986]

Why aren’t they punished ? Why do we have to pay our own costs? Every single one of them should be sued!!

[@comments.cuestionsandconcerns]

AGREED.

[@ghensao4027]

Happened to me. That's the first thing running through my mind. They can't get away with it. Their property can be put on lien or they can serve time. No consequence is unacceptable

[@Peekaboos986]

@@ConsueloVillegas-bh1ujyes we can. We can garnish their wages for our losses and follow them to the end of time.

[@teresatriumph2780]

They are punished in Oregon with hefty fines, license suspension for 1 year, and the only option to drive again is if the uninsured party can provided proof [of only a few particular types] of hardship, then they are allowed to apply for ssr2 that grants a license after proof of auto insurance, and ssr2 license restricts when and where they can drive between 1-3 years. Unless they've changed the laws since 2010, basically they're allowed to drive during the daytime only for a job or school, and any other use means they are stripped of the inch they were given, bigger fines, and possibly jail time.

[@ThePeterDislikeShow]

We're all one car accident away from total ruin.

[@elisenispee7450]

My sister filed a lawsuit in small claims court for the driver who damaged her car, won the case but couldn’t collect anything since the defendant had no money.

[@brokesttruckeronyoutube3256]

This is my exact situation....dumbasses with no money wrecking into hard working peoples property and not getting anything in return. I lost 59k to a piece of shit 22 year old drunk.

[@LivingTheDream77]

did the driver go to jail ?

[@MariaRodrigues-hk6mg]

Wtf?...so then WTH is stopping everyone in the usa from driving uninsured??

[@bonbonjovi4836]

after 15 years of driving without an accident, I finally get in one where a guy ran a red light. OF course he was uninsured.

[@LawFull]

Sorry to hear this. Hopefully you have your own coverage to take care of this.

[@madenusa2667]

me too

[@LawFull]

Sorry! Very common unfortunately

[@jaredpatterson1701]

Just happened to my mom last week. t boned at a light.. Uninsured.

[@LawFull]

Hey I'm really sorry to hear this. I hope that she has uninsured motorist coverage. You happen to know if she does? And I hope that she wasn't injured.

[@anweralamaireh8174]

Thank you so much for the valuable information

[@ddssddga]

Thank you so much for this video. Straight forward advice you gave.

[@LawFull]

Thank you...

[@ph11p3540]

It's so easy for the police and motor traffic enforcement to find out who the uninsured drivers are now. They have special plate cameras that can run your plates and find out if you are uninsured on a central database. The police waste no time catching up to you to make a traffic stop to verify if you lack proper insurance. Then you get your car immediately impounded and slapped with a $10,000 fine. No need for so many uninsured drivers on our roads unchecked.

[@john-wo4rv]

that will not work this country urban design is backwards that you have to drive a car to get simple mundane stuff and being force to drive a car everywhere means that you have people that cannot afford to drive a car if you want to completely stop people from driving uninsured the United States need to invest in walkable urban design and public transportation.

[@thedonitalian1923]

They don’t get a $10,000 charge. Just had some shmuck do this to me the other day and they didn’t even ticket her and she totaled my BMW. These people wouldn’t do it if they actually paid $10k

[@boakyeduan563]

Damn I live in FL but never know there are so many uninsured drivers!!

[@mildredmcfarlane4702]

Thank you so much for your information.

[@LawFull]

Hello Mildred, thank you for checking out my video. Sorry I didn't respond sooner, I'm not getting notifications of my messages. Barry

[@mildredmcfarlane4702]

@@LawFull thanks for responding .today i got sad news from my lawyer today that they cannot continue my case because the driver does not have any insurance. I am in bitter tears .i got a broken leg , wont be able to walk for now. 3 lawyer turn me down . its not fare for me. I got hit crossing the pedestrain. I am hurting so much.no driver should driver without insurance.

[@LawFull]

@@mildredmcfarlane4702 I'm really sorry to hear that Mildred. You don't have auto insurance yourself I take it? Did you ask your attorney if your state has any kind of restitution for accident victims or crime victims? Just throwing an idea out there. Barry

[@TherealSeanTroy]

Keep in mind Flordia is the only state in the country that you can opt off Bodily injury for their insurance. It is still required though to maintain property damage liability.

[@yolenceusa9520]

In Tennessee too they have crazy laws here. These people need to spend time in jail

[@LawFull]

Hi, that probably already is an option just not enforced...

[@warrenlange6106]

Great video. Thank you

[@LawFull]

Thank you for that

[@GetAlong2GetAlong]

Just got into an accident with an uninsured and unlicensed driver. They ran a red light and we at fault. But Progressive low-balled me on the uninsured motorist claim… so I had to downsize my vehicle, my rates went up, oh and I’m still dealing with the injuries from the accident. Crooked insurance companies

[@LawFull]

Yes they are the worst. I'm sorry you're going through this.

[@TherealSeanTroy]

One thing I would like to add on to make sure if you have liability insurance to add on uninsured motorist property damage. In this situation that coverage will be extended over to you. Normally deductible for this coverage anywhere 1k to $0. Most common is $250

[@chrisgere9259]

Great video, very helpful to make first steps against uninsured bums.

[@LawFull]

Thanks for the comment and best of luck.

[@KevinP32270]

THANKS!!

[@beastheist8696]

Someone pulled out in front of me today with no insurance and totaled my car. Thanks for the video

[@LawFull]

Really sorry to hear that..... I wish you the best of luck with a lousy situation. Barry

[@beastheist8696]

@@LawFull thank you, called insurance today and getting reimbursed for my cars worth And they’re going after the other driver directly

[@LawFull]

@@beastheist8696 Good news! Glad to hear it. Best of luck to you.

[@silasbelcher3788]

@LawFull I Bought a beautiful used Toyota tundra with all the options I wanted, low milage, one owner, and taken care of just as I would have. Less than two months later, an uninsured, unlicensed driver ran a stop sign, and I did everything I could but not stop in time. I had many witnesses back up my story with the police, and I have the completed report on my side. I filed with my insurance, but I will still be out my deductible, and I've missed a weeks worth of work with out a vehicle, as well as make general running of errands hard, with one less vehicle for me and my family. Can I still sue the other driver, even though I've also filed on my insurance for uninsured motorist, for for lost wages and to cover my deductible? Or at the very least, make sure the other driver does not get licensed any time soon? I still don't know if my truck will be totaled or not, and this all just has me steaming mad at this lady.

[@LawFull]

Sorry to hear this. Sure you can sue her but for what? If she doesn't have insurance chances are she doesn't have any assets or the money to pay you. So you will probably be wasting your time. Your insurance may go after her for reimbursement too.... Really sorry you're dealing with this b.s. Uninsured drivers are such a hazard.

[@silasbelcher3788]

@@LawFull thank you for your reply. You're probably right, it would more than likely be a waste of time. She walked away with a few tickets for failure to yield, driving without a license and insurance. Barely a slap on the wrist.

[@LawFull]

@@silasbelcher3788 Probably.... again sorry to hear about this.

[@danielle8179]

this is why u need to have "deductible waiver collision coverage" on ur auto policy.

[@LawFull]

I don't hear about that much. I guess it depends if it costs much.

[@cxa340]

Most states won’t allow that to be written - it is only a benefit from some insurance companies depending on the claim history and longevity of policy. It is not an actual part of the stated policy. You can try to have the lowest deductibles possible - some states will still allow a $0 comprehensive deductible to be written.

[@lightraveler333]

I am in the process of filing. I was rear ended pretty bad by an uninsured motorist. My vehicle is totaled. The police came and did the report, the other driver had already left. The police ran his license and the license plate and told me that the guy who hit me is not listed as the owner and the owner is a dealership. I will first try to find out if in fact the car really isn't insured. And then I will pursue a suit against the owner of the vehicle. Is this a good idea? Thanks for your video!!

[@LawFull]

KeMeTaurus Hello, I apologize. No idea why I didnt receive notification about this message. Did you get taken care of?

[@Ocyla]

I'm in IL too, someone with minimum coverages hit a car, who got pushed into another car, and it chained to 4 cars! My sons car got damaged and we only had liability so who knows if we'll even get the repairs paid for.

[@LawFull]

Sorry to hear this.... If he wasn't at fault though, file a claim with the at fault party's insurance asap. Hopefully there were no injuries...

[@Ocyla]

@@LawFull Thanks! No injuries, and he was not at fault. I will look into that, I do have a claim but I have to clarify if the other party had my same company or not.

[@maykevin5]

Should have jail time for no car insurance.

[@bz3232]

Hi, you think that everyone who gets caught without insurance should go to jail? Not sure how I feel about that. And I'm not sure our jail system could handle that. We're talking about millions of people. Thanks for your comment. Barry

[@games101ish]

I agree that they should go to jail if they were at fault for the car crash.

[@printerandscanner]

I recently got rear-ended by an uninsured motorist. I took down the VIN and License plate info. She failed to show me her insurance. My insurance company said they are going to approve the repairs on my car. Once my claim is done, am I still able to go after the uninsured driver? Or by that time do I no longer have any say in what happens in terms of suing her and my insurance company takes over depending if they want to take the drive to court or not.

[@LawFull]

Hi, if you're just talking about property damage - then I'd have your insurance make the repairs to your vehicle. Then, let your insurance go after the other driver. Why would you want to? Nothing but aggravation, will likely result in nothing and be a waste of your time. Let your insurance company attempt to get reimbursement from them. In my opinion at least.

[@gabegaitan6964]

I was hit by a uninsured driver on 03/25. The next day I found out he was excluded from the insurance policy. The vehicle seems to belong to a relative. I don't feel I should be liable for the insurance deductible..

[@LawFull]

Hey Gabe. That sucks. Sorry to hear this. Well, if you want you can go after him/her in small claims court. But I'm not sure it's worth it (unless your deductible is like $2k or something)....

[@fabiolaarauz4439]

I am in Chicago. I stopped, for less than a minute to check on my baby and continue driving, when I backed up from the car infront of me to get myself back into traffic, I looked down to put my car into drive, I heard someone slap my car. I got out and saw an older gentleman getting up. He said that he was fine but still wanted to get checked out so he was taken to the hospital. My husband was buying insurance that day as we had changed our work and car insurance 2 weeks ago and so technically, I didn't have insurance coverage at the time of the accident until about half an hour later when my new insurance kicked in. There was a camera above me and I am certain I did not make him fall because I backed up very slowly. Should I get an attorney?

[@LawFull]

Hi, I wouldn't post anything further online about this ma'am. However, it's too early to know if you need a lawyer.

[@ariandgabe]

Another question: According to my teen- son not being on my policy (never thought I needed to put him on?) and since he got in an accident rear-ending another car, my Insurance refuses to pay for the damages on both my, and the persons car he hit. SO, .. do teens with driver licenses have to have "car insurance" even if they don't have a car? My car has Full Coverage required by the bank we got the loan from. But when you say: "Uninsured Driver" do you mean every driver who gets a license, even before they can buy a car have to get car insurance?

[@jessthom1016]

Odon Sabo if he’s going to be a primary driver (drive the car more frequently than once every so often in an emergency) yes... he has to be a listed driver on your policy.

[@Punfucius]

Alight so i have a long story for you... I was selling a truck of mine that sat for the winter, i posted it on craigslist & a guy came out to check it out. I told him it didn't have insurance on it, he asked he could take it around the block just to see how it drives. Like a dumb ass i thought that was reasonable so i let him drive it around the block with me as passenger. We get into an accident he claims the breaks went who knows for sure. Am i reasonable for the damages? It was my vehicle & im worried about getting sued from the other driver or even there insurance company. The other guy did have insurance, there insurance company contacted me asking that they "just wanted to know my side" i of course have not replied. Am i going to be sued?

[@TWD573TWD]

I’m based out in Missouri and a uninsured dwi driver drove into my house and I have a landlord is it worth suing her for damages?

[@LawFull]

Hi Daryl, well, most people who don't have auto insurance don't have much in the way of assets. However, if your damages are modest, you could sue him or her in small claims court and see what you can recover. But I'm skeptical it would be very successful... Sorry you're going through this.

[@augusthamilton3634]

Hi I live in the stare of Michigan ( yeah i know, don't laugh). An uninsured driver hit my legally parked car. It's an older car, 2009 Mariner, so I don't keep full coverage on it but I do have uninsured coverage, which I thought would cover my car if hit by an uninsured driver. My insurance company, Liberty Mutual, said it does not cover my car just bodily damage. Other than suing the person responsible is there any other way to get compensated for my loss? About $1500.00 worth of damage. And does it help if I inform the officer that took the report about the uninsured driver? Thank you for your response.

[@LawFull]

Hi I'm a little confused about what you're insurance company has said period it would not be uninsured motorists that would cover the property damage to your vehicle it would be collision coverage. Do you know if you have collision coverage?

[@tman1990]

I bet at least half of those uninsured drivers from Florida drive to other states and cause accidents.

[@gblair999]

this helped me out a a lot. but Im still a bit lost. i was recently getting my oil changed and another customer drove his car into my parked car. the driver is uninsured. should i file a claim under my insurance? or should i file a lawsuit against the driver? I have reported all the information to my insurance provider. but Im a little hesitant if i want to pay the deductible to get my car fixed.

[@LawFull]

Hi, if it were me, I would file a claim with my own insurance. The chances of you actually recovering against the owner of the uninsured vehicle are slim. Now, if you do not have coverage to cover your own property damage, then you'll have no choice but to sue the defendant..... Barry

[@cxa340]

Agreed with Barry - also remember your insurance company will subrogante against the other party and then reimburse you your deductible if they are successful. Yes, having to pay your deductible seems like punishment but you selected that deductible knowing in the worst case it would be money you lose in the event of a claim. If the amount is too high you need to consider losing your destructible or always have that amount in emergency savings.

[@SoapboxEntTV]

Today, not even a block away from my home, this maniac swung into me while I was at a stop sign. He ran off and they caught up to him. My wrist is damaged and I’m currently going to urgent care. He has NO INSURANCE or a driver’s license. I have made a claim with my insurance but can I make a lawsuit against him for all of this???

[@LawFull]

Hi, you can but in reality if he has no insurance he probably has no assets to go after...... So you should see if you have uninsured motorist coverage and go after your own insurance for compensation/reimbursement.

[@masad.739]

OMG. I typed in my question in the search box, and your video about this specific topic pops up!

[@patricksuchy8171]

Hey so an uninsured drive hit me after blowing a stop sign and totalled my car when I was driving straight down a busy street. He wasnt insured and was driving straight. He was driving his aunts car who was insured. The police report didnt mention the fact that he rolled a stop sign but it's clear that it's his fault. His insurance is charging me 40% liability saying it was my fault too for not driving cautiously when I clearly was driving the speed limit and hit my breaks the instance I saw him. My insurance is 1 sided and his aunts insurance is unique insurance and they are trying to scam me. What do I do?

[@LawFull]

Hi, really sorry for not responding sooner. As I've mentioned in other posts, I'm not getting notifications of messages. If you still need help on this, please email me at [e-mail]. Sorry again. Barry

[@cxa340]

Always file the claim with your insurance company and have them fight the other insurance company - it’s what you pay them for as part of your collision coverage

[@gomezmariop]

i was recently hit by another driver, they are completely at fault. they admitted it verbally. however i filed a claim against their insurance. and the adjuster has said there is a issue with the coverage. they will not state what the issue is. i assume the driver was not on the insurance since the insurance card had the registered owners name on it. whom was not the driver at the time. in addition i cannot file a claim through my insurance as i only have liability so my insurance wont handle any claim processing. i have made a letter of demand. demanding a written explanation of the insurance company’s reasons for claiming there is no coverage (Coverage Issue), including references to the specific policy provisions that limit coverage. Is there anything else i can do well waiting for their response? Should I rush to file suit against the possibly uninsured motorist? i do believe they have the funds to pay if sued.

[@LawFull]

M G Hello, tough spot. Did you suffer only property damage? If so how much?

[@cxa340]

You will be provided with a formal written explanation when the claim is denied - in that letter the claimants insurance company will state specifically why there is no coverage for the claim. Many times in cases like this it is because the claimant (the other guy) has a non-standard insurance policy because they are high-risk, on a work visa or other temporary immigration status that provides no driving history, unable to find standard coverage because of a DUI etc, there are quite a lot of reasons and almost none of them good for why their policy may not provide coverage but it is usual that non-standard policies only cover the named driver in the named vehicle and no one and no car else unlike a standard policy from companies like AllState, State Farm etc Expect a letter from their insurance company stating formally that the claim is denied. Also, and this happened to me in the state of IL, expect their insurance company to also notify the state as this will be a violation and can usually be criminal. This is why if someone hits you and they have Progressive, Geico, General, you should be scared - those are companies for bad drivers and financially irresponsible people

[@amoney5087]

I was hit by a car while walking in my complex. The guy didn’t have insurance. So I called my insurance. I already had a lawyer for a different lawsuit. So far my insurance has been paying for all medical bills And the ambulance. I heard something about suing my insurance to get some sort of compensation should I sue him in small claims court too after the insurance pays the bills ?

[@jefrypineda8680]

When buying insurance please buy insurance motorists because it’s worth it .

[@SuperBabyMario0C]

Can you help me out. Just questions on how I should handle something. So I was hit, T-boned in a heavy traffic intersection and was turning left. I was uninsured at the time n the other driver was but it wasnt their car. I went to court no one showed up, no witnesses other than me and the other driver, the cop never showed up either. Case was dismissed in Illinois. I felt it was both our fault anyways since the other driver had plenty of time to react to me but for some reason just slammed into me. Now they want me to pay damages. Small court. I was told to get an SR22 and that was it for me. N a ticket for no insurance. Does their civil judgement hold up after the statute of limitations passed? This happened in 2018 and it is now 2021.

[@LawFull]

Hi, the judgment and statute are two very different things and not related that I'm aware of.

[@larrystrawder7825]

I was hit. The other party went through a blinking light. I was almost through the intersection. I stopped. Problem is I don't have a witness that I stopped. My case is only that other party hit the side of my van by a flate tire. The impact totaled my car which is to prove the other driver was speeding. So I'm stuck. How do prove what is common sense that driver was speeding and that caused the accident?

[@Danielmartinez-vq1vl]

I was hit on the fwy going to work a week ago by another truck . The driver didn’t have insurance and apparently not driver license from California either . The damage on my truck it range from $2500- $3700 base on some estimates from Local auto shops currently I have only liability insurance on my truck and my insurance cover uninsured driver up $3500 should I go ahead and file a lawsuit against this guy ? the Only evidence I collect a the time of the accident was some pictures of license plates, registration and the drivers face along with his name , cell phone and address Please let me know I should do ?

[@MeetPatel-ps1hh]

I got in an accident, the other driver doesn't have insurance. It wasn't my fault, he ran in stop, and now he didn't accept his fault and blames me for the accident (HE HIT ME AT REAR OF CAR). What should I do? I have all the coverages you talked about in this video.

[@LawFull]

Hello, if he does not have insurance, file a claim with your own uninsured motorist coverage under your own insurance policy. If you have injuries, you should consider getting a lawyer. Let me know if you do and I can help with that Meet.

[@anweralamaireh8174]

It was in Cook County

[@LawFull]

Ok, then 50 W. Washington is probably the place to file. I think 6th floor. Is it a personal injury case? Auto accident etc.?

[@MrBoomBoom225]

Had a 16 year old total my car and he's not covered. Don't have UMC. Who do I go after him and his parents? How do I find out who his parents are? Do I also include the vehicle owner as well?

[@LawFull]

Go after everyone. To find his parents either search his address I would think or other online research. If you still cant find them you could hire an investigator. He could find em easy

[@rodrigojuarez9199]

What should we do if we have insurance, and we got got hit by a driver with no insurance, he rear ended us, drunk and tried to run away.

[@LawFull]

You should report it to your insurance company. Hopefully you have coverage for it. It could cause rates to go up and it could cause you to pay your deductible but thats better than paying for the damage out of pocket I assume.

[@plevel7670]

You touched on the issue of recovering the money from the uninsured but didn't explain how one does that after a small claims judgement has been determined in your favor. Can you make any suggestions on how to recover the money?

[@LawFull]

Hi, that's a local issue and will be affected by local law. Contact your local courthouse or a local attorney to ask that question. You might be able to garnish wages for example. But it depends on local law. Sorry I can't be more help on this one. Barry

[@joeatx4564]

Hello sir I had a quick question what about a company vehicle that is not insured I was hit by an Amazon delivery vehicle. It's a third party company but the owner is not cooperative and refused to help at all I found out their insurance defaulted on December 17th. I was hit on December 24th the owner told me to sue him and that he has big lawyers to fight it I swear his words exactly.

[@LawFull]

Good morning, if you were injured there's likely an attorney who would be interested in your case. If its only property damage, you may want to consider going ahead and filing a lawsuit in small claims court (assuming the dollar amounts work - check your county court website to learn more about filing in small claims court).

[@synthiamoise8169]

I was recently rear ended by an uninsured, unlicensed driver with no license plates in the state of New York. His car got towed at the scene. I haven't filed a claim because I'm waiting for the police report, however I'm concerned I'll the one punished for the collision as I'm expecting my rates to go up after I file a claim. I feel like that is so unfair but I have already been informed that's what will likely take place smh

[@LawFull]

Hi, that would be unfortunate.... but it's a bit out of the area of my knowledge. I don't know much about how ins co's raise or don't raise their rates after an accident. I'm sorry I can't be more helpful on this one. And I really hope you don't see those rates go higher.... Barry

[@jamalcrawford7571]

USA is so stupid lol. If you can't pay then don't drive. Bruh, these uninsured drivers that hit someone should be liable for damages and jailed. If they dont have enough $ give them more jail time

[@LawFull]

That would solve the problem....

[@jacked6]

I also don't have insurance because the premiums are too high.

[@YourDriverSasan]

An insured motorist backed into my driver side door causing a huge dent, and my door doesn’t shut properly. I called my insurance company and told them exactly what happened and I too pictures of the guys plates. I also called 911 after and got a red card since this happened on private property. Not sure if I’m doing this.

[@LawFull]

Morning - I'm not entirely sure what your question is. What can I help you with?

[@ericalfaro611]

Do I have to then pay for the repairs myself first and then sue to get my money back if the person was uninsured and I did not have UIM and they were at fault

[@LawFull]

Hi. I'm not entirely sure I understand your question. I think you're asking - do you have to pay to get the car repaired before you file suit. Is that right? If so, I would strongly recommend you consult with a local attorney regarding what is required to file suit in your jurisdiction.

[@santoniocarridice8537]

Hello sir, I just need some advice. I got in an accident with someone I was at fault for not yielding at a right turn, the guy had no insurance so I filed the claim and my insurance handled everything. Now he has gotten an attorney and is suing for $150,000,00 for injuries when it wasn't an bad accident his car had damage on the side doors mine was totaled because of my side air bags deploying and the police asked if he needed an ambulance he said no he was fine and drove off in his car.

[@LawFull]

Hi, just turn it over to your insurance company. That's the reason you had Insurance all these years so don't even worry about a thing.

[@coralmonty2330]

I live in an apartment building 1 block away from 2 well known local bars (small town). Both of my vehicles were parked out front with several others in our parking spaces for the apartment building. A drunk as piss local woman (who works at one of the bars & is a local police officers daughter) drove drunk down my street and crashed into both of my vehicles and totaled them. She than left the scene in her car and crossed a bridge where an officer followed (he has passed the scene about 2m after it happened but did not see accident) and pulled her over and arrested her. She got charged and released due to covid. cops are keeping the whole thing out of the papers. she had no ins or drivers license, was prob speeding, was drunk as all hell, treating cop like crap. idk what happened to her car impound or not. i didnt have uninsured motorists coverage but i did have regular insurance on my other two vehicles. i dont know what to do. im self employed and my vehicle is how i get to my jobs. everything that ive read of or heard basically says im screwed - and looks like because of covid she isnt even going to go to jail for this. because there were no ppl in my cars the police are acting like it was a nonviolent crime.

[@LawFull]

Hi, it would not be uninsured motorist per se that you would use. Do you have collision/comprehensive coverage on the vehicles? That's what you need to check. If you do not and you've tried to tap into all your different insurances, then your only option would be to file a lawsuit against her directly. Unfortunately, if she has no insurance she probably has no assets and recovery is unlikely... I'm sorry to say.

[@nuclear_nkr]

An uninsured driver hit my mom and i and she was injured and the car was totaled, we do have uninsured motorist coverage but we are lost. The police didnt verify his insurance at the time of the accident and we got a formal letter from the insurance saying he was uninsured. This really is a free country huh. no punishment for him at all

[@LawFull]

I know - it sucks that people drive around uninsured and cause accidents. If you have UM insurance, I would consult and your mom suffered significant injuries, I would consult with a local attorney about the claim... Your own ins co will end up not treating you any better than the 3d party's ins co in this situation.

[@franciscoaguilar4599]

I was in the left turning lane and police report says other driver thought he was in a left turning lane which he wasnt.We provided our information to police. My car was totaled and turns out his insurance was no good on his fairly new 5 month old truck based on paper plates. I am so upset it has been one rough month I have trouble sleeping and driving with confidence. I am mad I obey the law and have my insurance and he doesnt! He had the nerve to to claim my insurance but got denied. What can i do? In Texas using husband's you tube account

[@LawFull]

Well, if he does not have insurance, you can 1. file a lawsuit against him 2. file with your own insurance to get your damages covered. There aren't many other options unfortunately I'm sorry to say.

[@richardgarza2977]

Hi i was in an accident while at a stop light. A teenager was speeding and lost control and hit and damaged a loaner from my dealer ship. The teenager admitted to being at fault. He had no insurance and no driver's license. I admittedly call the police to file a police report. I explained to the teenagers father that i will have to get an estimate and we can settle this maybe out of court. When i showed up with the estimate the son and father are now saying that they did not hit my vehicle. I explained that this was a loaner from my dealer ship and was inspected with no dents or damages. Should i take them to claims court or have my insurance take care of the 3500.00 worth of damges. Please advise me. Thank you

[@LawFull]

Happens a lot. People are dishonest. If it were me, I'd use my insurance. But you may have no problem going through the court system. Just takes a long time and is aggravating.

[@fernandomedina4920]

Hi there I live in Miami Fl i was hit by an uninsured motorist. I use my car for Uber and now I can't work until I get my car fixed can i sue for lost wages since its been a month and yet to have my car fixed. I had to file a self claim on my insurance because the car he was driving 1. was not his and was not a insured driver. 2. The car in question had no insurance sin January 2019. 3. He himself does not have insurance. what can I do

[@LawFull]

Hi, suing him for your lost wages is probably a waste of time. The question is can you seek reimbursement for lost wages from your own insurance policy. You need to ask your adjuster and check your policy for the answer to that.

[@alimohammond9315]

car insurance don't want to pay up, if you get hurt they keep sell I to another attorney then u have to go far to another insurance place to sign paper! they want to see if u can drive far, then if u can, then u must be OK, so insurance have an good excuse not to pay u, this happen to my friend!

[@veronicapadi760]

Hi there , i recently purchased a vehicle from a private party and had not yet put insurance on it and I was involved in an accident . I crashed into the back of a car because the driver made a sudden stop in a one lane street because he was trying to turn into a parking lot on the left side so i had no time to anticipate his stop and rear ended his car ... my vehicle had almost zero damage but his car had significant damage only problem is I was uninsured at the time of the crash since I had only had my car for about 3 days and had not yet purchased insurance on it , it was actually just the second time i drove it since i bought it ... what can happen to me ? Or could I be sued by him ? He says he has full coverage but that his insurance does not respond him or want to pay damages. What is the next step to take for me ?

[@LawFull]

Hi, not much for you to do until he does something. And even then, there's not much for you to do. It would be a waste for him to sue you unless you have the assets to pay him back. He needs to go after his own insurance to use his collision coverage to pay for his property damage and his UM coverage if he has any injuries..

[@shainaponpin]

Hi, my wife was driving our car 3 days ago and at red light, she stopped. A drunk driver ran into her, severally damaged the rear end of the car and fled the scene. The police chased him and arrested him. I think the car is going to be totalled. I have liability with uninsured motorist for 30,000/60,000/25,000 and unfortunately, the other driver, driving 2013 truck does not have insurance according to police report. What can I do?

[@LawFull]

Hi, if the other driver is uninsured, your options are 1. sue him/her or 2. file a claim and use your own insurance. If it were me, I'd just use my own insurance....

[@ericpettyfishing]

Some douch unisured driver totaled my wife's favorite car. It has been a total crap shoot trying to get help.

[@LawFull]

Hey sorry to hear that. If its just property damage related, it would be tough to get legal help for sure. Whats the status with the insurance claim?

[@user-ub1jy5zt3x]

I was involved in an accident and the motorist wasn’t insured and I just realized that my insurance was expired what is some advice I can get I’m also still making payments on this vehicle. Please thank you.

[@LawFull]

Good morning - so there is no ins on either side? I'm afraid there's not a lot you can do. You could file a small claims action on your own against the other driver theoretically if you think they're at fault. And see if you can try and recover something. However, I'm a little skeptical.... Sorry you're going through this.

[@jearolenewatson6740]

Riding my bike hit by uninsured motorists with no bodily injury insurance in state of Florida what can I do lawyer said nothing because he had no bodily injury insurance

[@LawFull]

Do you own a car and have uninsured motorist coverage?

[@packrcch]

my car was totaled by an uninsured driver two years ago. he had no insurance and i had only liability so we both lost our cars and got nothing from insurance. does it make sense to seek compensation are two years?

[@LawFull]

Hi, sorry for the delay responding. Truth of the matter is, if he was uninsured, chances are he doesn't have a lot of assets to go after. Also, the statute of limitations in your state might have expired. In Illinois, we have a 2 year statute - though for strictly a property damage case it might actually be different. Sorry for the delay again. Barry

[@shynepo6296]

@@LawFull If the person has a car. Can i seize his car as an asset ??? Or take away his home ??

[@LawFull]

Hi, unlikely. Depends. You would have to file a lawsuit, win then try to collect. In the collection process its determined how you can collect.

[@haopham1102]

Hi. My situation was like this: I made a left turn, the other driver drove straight and hit me. By law, I would be at fault because I didn't have the right of way. I was insured, and my insurance company was able to pay for my total lost car. After the accident, with the information that we exchanged at the scene, my insurance company investigated and learned that the other driver was uninsured. They also found out that the uninsured driver was driving over speed limit. Hence, they said that I was not at fault. I would like to ask in this case, can the uninsured driver sue me because my insurance company does not agree to pay anything for the uninsured driver? Thank you. I look forward to your answer.

[@LawFull]

Hello, so if your insurance company denied his claim, his only options are to drop it or file a lawsuit against you. Was he injured?

[@haopham1102]

@@LawFull At the scene, he was not injured. Everyone looked fine. No ambulance was called. But I don't know about after that. He has hired an attorney. When my insurance denied his claim, his attorney sent me a letter directly requesting me to pay for his tow fee. Thanks

[@LawFull]

Odd. So with no injury, hes probably thinking ha ing a lawyer write you a letter will get you to pay. If you dont pay, he could file suit against you in small claims court. You would then turn it over to your insurance company to represent you

[@haopham1102]

@@LawFull My insurance company does acknowledge this. I was worried, so I wanted to make sure. Thank you for your response. I really appreciate it.

[@Kimberly_11]

Was just in an accident with an uninsured motorist! I had only had my car for a month! Had just paid my 1st month of car note that very day. Had just paid my insurance company 2 time's also. The down payment and 1st month payment. Wanting to make sure I was 100% covered if anything should happen while driving that car since it wasn't paid for yet.. thinking it was a blessing that my car was hit and it wasn't my fault because then I get the car paid for.. but my insurance tells me no ma'am you only have uninsured motorists and something else I can't remember now but it wasn't collision which makes no damn sense why would they not tell me I didn't have collision paid almost $150 extra a month in insurance because I was in a bad part of town where a lot of these people do not have car insurance or license for that matter. I actually had the funds to do this this go around with a vehicle. My son and I had not had a reliable vehicle in 2 years up until this point so I wanted to make sure I did everything right! I wasn't even in the road when I was hit by not one but two uninsured motorists! The first car that actually hit me was trying to cross traffic from across the street from where I was in a parking lot trying to come out of Little Caesars. So I'm sitting there in the parking lot trying to make a right making sure no one's coming and before I could take my foot off a break we get hit head on by the car that was trying to cross traffic and gets hit by another car that ends up pushing that car into us. So if there was ever a time to be thankful I had insurance not just liability but what I thought would be full coverage it would have been now! But of course, now my son and I have no transportation we have to go through a bunch of paperwork to even get a rental car that was in the car insurance policy that I was paying for but it's given to me through a third party company through my insurance. My car was a 2011. Not to old not brand new. I still owed like $2,000 on it but I had put $3,800 down as a down payment! All that money is now GONE! I HAVE BEEN READING UP ON MY SITUATION WITH MY INSURANCE AND THE PERSON THAT HIT ME NOT HAVING INSURANCE. So from what I have learned is that I'm basically screwed I won't get any money for this car that I put so much money into cuz it's going to go right back to the car dealership because I still owe them for less than what I paid for the car basically. If ever I needed so good luck or a miracle it's now. Cause my son and I were also staying in a hotel because we are basically homeless. That car was gonna be our means of me being able to have a stable job and be able to get back and forth to work so I could afford a home! Now we're back where we started in a hotel no vehicle and no more money coming in to help me get another car. Btw I have Direct Auto insurance if that makes a difference. Anyone reading this please pray for me and my son from the situation there has got to be a blessing in disguise in this situation that I'm not seeing right now. I did everything right I even went above and beyond to make sure I didn't miss a car payment paying an extra $100 so my car payment wouldn't be as much the next month. The car lot was already taking advantage of me but I had no choice.. now they are gonna get the check for the amount of the car value THAT I ALREADY PAID in the down payment 😭😭

[@LawFull]

Hi, if the driver who hit you is uninsured and you do not have Collision coverage then yes the only chance you have of recovering any money from the defendant is by filing a small claims lawsuit against him or her. That is something you can do on your own an attorney would not normally get involved. You might want to look into that. However, to be honest with you it is unlikely you will be able to recover any money from that person. Just in reality.

[@Kimberly_11]

@@LawFull I have uninsured motorist though.. does that not count for anything?

[@LawFull]

Hi, well when you say you have uninsured but not Collision I'm a little bit confused. So if you have uninsured motorist you can get reimbursed if you have injuries and or medical bills. But that wouldn't cover the collision damage unless you have uninsured motorist Collision.

[@Kimberly_11]

@@LawFull exactly!! I'm also confused 😕 Let me look at my policy and get back with you.

[@Kimberly_11]

This is what is says: Coverage Limit Bodily Injury $25,000 Each Person / $50,000 Each Accident Property Damage $15,000 Each Accident Uninsured Motorist Bodily Injury $25,000 Each Person / $50,000 Each Accident Uninsured Motorist Property Damage $15,000 Each Accident / $200 Deductible

[@luckiestpenny1625]

I just want to ask this for some advice. I almost hit someone going on reverse out of a parking lot.They got mad and now I got a court appointment. Do they have a case or anything I have to worry about?

[@LawFull]

Hi, I don't understand. You 'almost' hit someone so you got a ticket?

[@luckiestpenny1625]

@@LawFull I almost hit them but I didn't get a ticket.They told the police something so the cops said its better to got to court and now I have a court case

[@LawFull]

@@luckiestpenny1625 Well, I apologize but this doesn't make sense to me so there's not much I can comment on here.... I wish you the best of luck.

[@luckiestpenny1625]

@@LawFull One last thing you can't get fined or sued for almost hitting someone

[@LawFull]

@@luckiestpenny1625 Not that I've ever heard of but this whole thing sounds off....

[@zekey1135]

I was hit by a driver who ran a red light and my car is totaled and luckily a police officer was behind me and saw everything, he was cited for running a red light however the police officer said his insurance was valid. However come to find out his insurance was canceled 6 days prior to the accident. The driver of the vehicle is not the owner of the car. What should i do in this case. My friend who is a police officer said i can do a claim in the small civil court however who would i sue if i did? The driver, the owner or both?

[@LawFull]

Sorry to hear you're going through this. Sue them both and let them figure it out.

[@annmariegarcia7330]

Recently I was hit , another guy in a pick up truck hit me head on and my insurance told me my car is a total loss , I called the other drivers insurance to see if he filed a report and he didn't a day later I find out his insurance was canceled months ago... he gave the police false information about insurance on his truck when the accident accured . I don't know what to do at this point he has no insurance... not sure if its worth the matter to take him to court for my medcial bills ,my car damage , and injuries... I was still making payments on my car...

[@LawFull]

Hello, you need to file a claim with your own insurance. Hopefully you have uninsured motorist coverage....

[@annmariegarcia7330]

@@LawFull I do not have unisured motorist coverage 😥 they were going to go after his insurance until we found out it was false information stated to the police..

[@LawFull]

@@annmariegarcia7330 Sorry to hear that. Then filing a lawsuit is your only option....

[@annmariegarcia7330]

@@LawFull is it worth it ? 😔

[@LawFull]

@@annmariegarcia7330 Most people who don't have insurance don't have the assets to pay for someone's damages. However, there are occasions where insuranace just accidentally lapses .... so you never know.

[@methatlovescats3602]

I filed a claim against my own uninsured driver coverage. I'm in so much pain. I'd like to sue . With the covid in the hospital I havent been there. My reg dr didnt order a xray so I'm going to a chiropractor but she is taking her time i can hardly walk I'm finding that no one is caring about me. What do you think i should do. It's been 6 days now and no xray

[@LawFull]

Hi, I think we should probably talk about this on the phone. Can you give me a call little bit later? My number is 877-529-4312

[@MMAGUY13]

I live in ny I got into a car accident slip on black ice if my policy dont cover everything will they sue me personally do lawyers in Ny go after you when they are done with the insurance?

[@LawFull]

Good morning, I honestly couldn't tell you what NY lawyers do.... Generally speaking though, if the party I was going after didn't have the assets to pay an excess judgment, there wouldn't be much reason to go after them...

[@MMAGUY13]

LawFull I think that was so kind that you answered me I’m just scared that they’re going to go after me personally and garnish my wages because how quickly your insurance company policy will top out But do you think that will probably not happen thanks so much

[@LawFull]

@@MMAGUY13 It's really hard to know. If I had a client whose case was worth more than the policy limits, I would only go after the defendant personally IF the person had assets in an amount to compensate my client. Otherwise, what normally happens is you go after the person individually and they then declare bankruptcy and you're out of luck anyways....

[@MMAGUY13]

LawFull Thank you now I can sleep at night

[@LawFull]

@@MMAGUY13 Best of luck to you.

[@goldenboots295]

Hi what if your car has no insurance but got hit by an insured driver? Nobody was injured police nor ambulance came to the scean.

[@LawFull]

Morning, if the other party was at fault for the accident, file a claim with their ins co.

[@kalsimo8986]

Thanks for the video. Just last week an uninsured motorist hit my Car in the rear bumper and caused some damage. I go an estimate repair cost of $3,700 . When I sent him the bill he has no money and he offers to pay me $100 every week. Is it worth to sue him or just settle.?? How do I know he’ll pay 2 or 3 weeks and stops.

[@LawFull]

Do you have your own ins coverage you can go after to get your prop damage covered?

[@kalsimo8986]

@@LawFull I only have liability. No uninsured motorist or collision

[@LawFull]

Oh. Ok. Well, then you have 2 choices it seems. Do a payment plan or sue him. I am skeptical he'll stick to the payment plan but you never know..... I'm just a skeptical person.@@kalsimo8986

[@kalsimo8986]

@@LawFull I thought the same. How about suing him then do payment plan , this way he knows for sure he has to pay . Thank you so much for your advice

[@LawFull]

Yep that's the other option. It's going to be a hassle for you to be frank - but it would create a binding obligation to pay.....@@kalsimo8986

[@avis0064]

Texas- Recently had an accident with an uninsured driver. I am well insured and the total loss, and car rental are being covered. I did get checked at the ER, and there was no concussion, which I was concerned about. My left leg was in a lot of pain. Im currently waiting on results of an ultrasound to see if there are any blood clots. I lost 1½ weeks of work, and I still experience pain, especially at night ehich causes me to be restless and not sleep well. My insurance company automatically offered me $2k for pain + hospital bills. I feel bad that my own insurance has to pay anything, but I have paid my policy for years to cover me for a moment like this. Do I accept the $2k, or are they low balling me? 🤔 Thank you.

[@LawFull]

Hi, I don't know anything really about TX law - I would strongly recommend you consult with a local attorney about this one... I'm sorry I can't give you better advice but I don't want to give you bad info... Barry

[@qj2003fall]

Yes they are low balling you. Check your uninsured motorist coverage limit first

[@loloput3995]

Those numbers are definitely off. Many people have licenses, but don’t actually own a car. Additionally, thanks to all the insurance companies ripping people off we have a lot of people that own cars under somebody else’s name therefore, the calculation is way off.

[@kinistonjames91]

What if a driver in the same household (a relative) was not excluded , not listed and causes an accident with your vehicle ? (At fault) Would the insured vehicle's policy cover damages for the other party (not at fault) ? In the State of Georgia

[@LawFull]

Morning - I don't know the first thing about GA law - what is your ins adjuster saying???

[@bertmendoza8789]

Wow Insurance I a joke

[@HeyBruceAlmighty]

I was rear ended by an uninsured motorist so my uninsured motorist portion of my policy determine the car was totaled. Here is where I'm taking a loss, a month prior to the accident I just had the vehicle's paint and body work restored for about $5000. The value of the car is only roughly $6000. Of course my intent for restoring the car was not to add value since I just wanted a forever car to look nice and new. My insurance of course will only pay out up to the value of the vehicle minus my deductible. My question is how likely would a court side with me if I sue the uninsured motorist for the recent repair cost to recoup my loss or am I just SOL and have to just accept the market value of my car?

[@LawFull]

Morning - very sorry you're dealing with this... Honestly, I don't know the answer to your question. I would strongly recommend consulting with a local attorney to get an answer to this question. They'd be better suited to answer a question like that. Sorry I can't be more helpful on this one.

[@DanielTorres-ws4uu]

I was in an accident I was lane splitting down the middle there was traffic I was going about 10 mph faster than what traffic was going the other driver does not have insurance is it worth a law suit?

[@LawFull]

Hi, 3 things 1. What state? 2. Do you have uninsured motorist coverage 3. Did you suffer injuries? Barry

[@DanielTorres-ws4uu]

California yes I do have uninsured motorist lucky I didn’t break any bones but I was pretty banged up I already missed a. Week of work

[@LawFull]

@@DanielTorres-ws4uu In that situation, my clients have always just filed an uninsured motorist claim and attempted to recover from their own insurance company. Attempting to sue someone without insurance is likely going to be a waste of time.... Sorry to say. Barry

[@LawFull]

Its commonplace in CA

[@cxa340]

@@DanielTorres-ws4uu Since you were at fault - lane splitting is illegal, be careful there may not be any coverage for your vehicle and your policy will be non-renewed.

[@assassin971]

If somebody's in Texas and their car is totaled by uninsured driver what should they do

[@LawFull]

Hi, I honestly don't know anything about TX law. I would strongly suggest for a TX specific question, to speak with a local attorney....

[@canopener5426]

I was hit by a suburban....I had the right away....it was posted on the accident report...when i called their insurance....they said that they didn't pay it so they had no insurance ( they just gave a insurance card to the cop at the time of the accident that wasn't paid... I only have liability insurance and it won't cover my car....what should I do? Should I file an small claims...and an i report them for false information about having insurance so they can get a ticket too...please help

[@LawFull]

Hi, I am sorry to hear about this. Unfortunately you're right the only thing that you can do really is file a lawsuit against them and try to recover. The problem is if they don't have insurance a good chance that they don't have access to go after either. But if the damage to your vehicle isn't that bad perhaps they'll just pay up.

[@canopener5426]

@@LawFull can i at least report them for a ticket for no insurance

[@LawFull]

That's true though I am skeptical whether anything will really come of it.

[@canopener5426]

@@LawFull I will try it.....hopefully it works.....will let you know Thanks

[@LawFull]

thank you, and best of luck to you

[@markj7220]

My car was hit by someone else in front of an apartment and that was other guy fault. We called police and police said we don't need police report. The police gave me expired insurance which my claim was denied first. Again, I talked to police and he provided new insurance information of that guy. Now, his and mine insurance company is same. I filed on his name, and insurance claim adjuster said they waiting a call from other guy. It has been more than ten days and they suggest me to file claim through my name. I think the guy who hit my car was uninsured? What should I do ? Can I file a lawsuit against to the other guy, damage is about $2400.

[@LawFull]

Hi Mark, sure you can. But I wouldn't. I'd file through your insurance. Since you both have the same insurance, your insurance company might waive the deductible. Then let your insurance go after the guy for reimbursement. You chasing the guy for the money will be a big aggravation and not worth it. In my opinion at least.

[@markj7220]

My insurance claim adjuster said, they waiting a call from other driver but the other driver said, he never got a call. They suggest me to file through my insurance.

[@LawFull]

@@markj7220 I agree. File through your insurance and let them deal with it.

[@markj7220]

Thank you so much @@@LawFull

[@giovannisalvatierra6509]

Okay so I got a letter in the mail today from my now former lawyer saying that they will no longer continue to represent me to recover damages of an accident that wasn't my fault. Some lady didn't wait to yield and turned right in front of me as soon as I crossed the intersection and caused a bad accident involving a third party as well. I was left with a permanent thumb injury , I wasn't able to get surgery because I couldn't afford it and i didn't really have medical insurance. I was forced to pay $1000 of what was owed to my vehicle, insurance only covered like $4000 I had to pay the rest out of pocket and it really affected my credit score when it was doing so great. It affected my credit score -55 because I paid it off the car early but it wasn't even my intention, you get me? Now I'm left with plenty of debt from medical bills and I still have a lot of pain in my thumb. I am extremely frustrated to hear that my attorney can no longer represent me because the other party who caused the accident doesn't have insurance and I unfortunately don't have "uninsured motorist coverage" like i didn't even know that was a thing. Please help

[@giovannisalvatierra6509]

Like it's going be a year on July 24. And my injury still feels pretty bad, I had to stop working one of my two jobs because of this accident. And I don't know if I can just go back to working a regular job with the hand injury. I struggled for a while because I was without a car. And now unfortunately I am one of those millions of drivers who are driving uninsured because I simply can't afford it .... What should I do? Who can I call?

[@LawFull]

Hi Giovanni, I'm so sorry to hear this. But I don't have any good news for you..... If neither side has insurance, there isn't any attorney I know who would get involved. Unless, and this is a major stretch - the other driver has huge assets like a house, stocks etc etc. But if they had no insurance I'm skeptical whether they have any assets to compensate you. I'm really sorry you're having to go through this. The only thing you can do is to make sure you have insurance to protect yourself. Including liability, collision etc but always UM and UIM. Sorry I can't offer better info on this one sir. Barry

[@giovannisalvatierra6509]

@@LawFull No I did have full coverage insurance under my mom's car insurance at the time. I just didn't have the uninsured motorist coverage. Didn't know that exists I kind of wish someone would've told me about it I guess you can say I'm still learning.

[@giovannisalvatierra6509]

But thank you for your time

[@LawFull]

@@giovannisalvatierra6509 Best of luck to you.

[@soplocar]

My family is dealing with the following problem: A minor (17 years old) collided with my wife's car, he was found at fault by the Police; His insurance company is denying the claim because he was an excluded driver under the car's policy; therefore, we have to file the claims under our Uninsured Motorist policy; unfortunately, our UM coverage is only $25K and the first medical bill we received from the hospital is already $21K, so I'm very afraid that just the medical bills are going to be above the $25K limit from our policy and this is not even counting with the lost wages and my wife's pain and suffering. The vehicle that hit our car belonged (totalled) to the kid's uncle, the mother had the insurance under her name and she excluded her son probably for issues that happened before; my question is the following: Can I pursue a claim under the Uncle's insurance from another car since he is the legal owner of the vehicle that hit my wife? I think the mother and the uncle should be responsible for being negligent and allowing the kid to drive the car when they were fully aware the insurance will not cover anyone if any accidents that were his fault were to happen. Thanks.

[@LawFull]

Hi, a lot of this needs to be addressed by a local attorney in your state. What city and state did this take place? I may know someone to talk to.

[@soplocar]

@@LawFull This happened in Lawrenceville, GA (Gwinnett County). Thanks.

[@LawFull]

@@soplocar There's an attorney in Atlanta I used to know and sent cases to. He was always responsive. He might be able to help you out. Call Mike Bennett www.bennettlawgroup.net/

[@soplocar]

@@LawFull Noted. Thank you so much.

[@luisherrera1039]

My truck was parked and some unlicensed and uninsured driver destroyed my truck and she is declining to pay. What do I do? She gave the police a expired insure information so we didnt file a police report thinking it was all good until we called their insurance the next morning. The police didnt even give her a ticket for not having a drivers driver's license.

[@LawFull]

Hi, two choices: 1. file a claim under your own insurance company. They then may go after the defendant for reimbursement. 2. If you don't have collision coverage, you may have to file a lawsuit against her. Problem is, I don't know any "property damage" attorneys who would file a lawsuit in a property damage only case. If the amount owed is under $10k (at least here in IL) you could file a small claims action on your own.... Sorry about this. Lousy situation. Barry

[@luisherrera1039]

Thanks problem is that if I file a lawsuit the person is not obliged to attend because she doesnt have a driver's license. Also she is refusing to return calls regarding coming to an agreement. I was told that I may have to cover my own damages.

[@LawFull]

@@luisherrera1039 Hi, if she doesn't respond to your lawsuit you mean? Doesn't have anything to do with her having or not having a license. She could ignore it for sure. But there would be options at that point as well. Best thing to do is file with your own insurance I'm sorry to say.

[@nicolesheaffer1295]

End of last month (May) I was headed home with my family- boyfriend and small child. A driver who was behind me decided to pass me in a no passing zone. On her way to come back over in front of me she side swiped my car. Then took off! I thought she was going to pull over but nope! Followed her the best I could, bf called police, got license plate number, and almost wrecked by going too fast around a turn and I was able to catch up to her. A cop in the next town pulled her over because she was driving at a high rate of speed. First denied hitting us and said we were just following her. Then said she wanted to apologize (apologize for what if you “didn’t hit” us) anyways. Neither insurance company can get ahold of the mother. The driver is 17. It’s almost been a month and idk what to do. Didn’t have full coverage.

[@nicolesheaffer1295]

Also, damage to my car. Not much.. but her green paint, tire marks and dents and scrapes. I went out to eat today for dinner. And wouldn’t you know if, the driver works there. So I looked in the parking lot to see if her car was out there. It was. I got pictures of the scrape on her car where she swiped us.

[@LawFull]

When you say you dont have full coverage, you mean you dont have coverage property damage?

[@LawFull]

Your only choice may be to file a small claims lawsuit. Once served they will contact their insurance company

[@nicolesheaffer1295]

LawFull do you think I should send a certified letter stating that if the insurance company isn’t contacted I will be pursuing a lawsuit? Or should I just go ahead and file and hope they call the insurance company. I appreciate you getting back to me. This has been a big help

[@LawFull]

No harm in sending it first

[@SandraPerezOfficial]

Hello Barry, I have a few questions I would like to get your opinion on!

[@LawFull]

Hi, ok, how can I help?

[@anweralamaireh8174]

It’s both property and injury case

[@McCool80]

I got hit by motorists who I think doesn't have car insurance...Should I confront him to give me money to fix my car?

[@LawFull]

I would do it under the guise of asking for his auto insurance information. If he does not have any, then you can either 1. file with your own insurance (which you should probably do anyways) or 2. File suit against him/her in small claims court (assuming the damage is minimal.)

[@pricillamoore6904]

My son didn't have insurance he caused the accident the insurance company sued him will that sue go against his credit

[@LawFull]

Hello, I'm not an expert on what does and does not go on credit reports to be frank with you. I don't want to give you bad info. Sorry I can't be more help. Barry

[@Joseph.Carrion]

Credit score!? HAHA! Look lady, if your son wasn't responsible enough to drive with insurance, what makes you think hes going to be responsible with money? His credit score will not be immediately affected, however, when he starts getting served (sued) left and right from the accident (usually happens 2-3 years afterwards) you better believe they coming after your son for some money. If he cant afford the 100-200 per month for an insurance policy for his vehicle, what makes you think hes going to be able to pay for the lawsuit? You're actually worrying about the wrong thing here. I'd be worried about that nice fat lawsuit that's coming his way.

[@LawFull]

@@Joseph.Carrion If the other party has UM coverage, there may be no suit at all.

[@pikachuchishi6182]

@@LawFull some of your comments u stated otherwise. If someone uses their own uninsured insurance for say 8k. Will their insurance company go after the uninsured for 8k or will the costs for court be to high for an insurance company to pursue 8k?

[@bagdad5765]

got into accident hit head on other driver was at fault, car was totaled, at fault driver didn’t have any insurance, but i didn’t have insurance either, can i still get a settlement for my totaled car ?

[@LawFull]

Hello, if there is no ins on either side, you'd need to recover from the other guy either by agreement or by filing a lawsuit against him.

[@ariandgabe]

@LawFull I have full coverage by Allstate here in Phoenix area AZ. My 19 year old son got in an accident and rear ended a car, my adjuster won't return my calls, and my Agent (over 20 years) says my car is not covered since we never put him on our policy. I thought that was a given, that my kids can borrow the car, which is why we have full coverage to make sure my children are protected always, both before and after they get their license? What I am being told is that "everyone", including the neighbors kids, or their friends borrowing the car are protected, and should they borrow the car and get in an accident, and total the car, my car would be covered. But Because he is my 'son' who caused the accident, and living with us (well duh, .. should I kick him out? He's going to school) my full-coverage means NOTHING. I was told by my agent that not only am I responsible for the damages to my car, but also the car he rear-ended, including medical expenses the other drivers might incur! Is this how "No Fault" where we all must have car insurance works, .. that my kids living in the same house all their lives are the only ones can Void the full coverage insurance? It's bad enough Social Security took almost a $1,000 a month because they turned 18 even though they were both still in school, now we are facing the greatest dilemma of loosing everything, even though we been paying the high full coverage all these years! Any suggestions would be greatly appreciated.

[@LawFull]

Hi, sorry for the delay responding but I'm not getting notifications of my messages. Allstate is awful - let me just say that up front. Quick answer is I don't know. That's an insurance "coverage" issue. And all I do is the p.i. work. In Phoenix, I would l look on Google for an insurance coverage attorney. They would have better insight on that for you. Sorry I couldn't be more help. I know one attorney in Scottsdale but he doesn't do coverage, just p.i. and business etc. Barry

[@captain757747]

I had the same crap with allstate. The bitch that hit me had no insurance, no driver's lic. and she had an out of state lic. plate from Okc. The sheriff's dept in polk county could care less. As far as allshit goes watch out for the middle finger. I am presently filing a joint law suite for damages and missed time from work agaaint her and the state of Okc . Her for causing the accident and Okc for negligence by not notifying the state of florida of the dropped policy an not requesting the lkic plate be recovered. you may have the same option

[@LawFull]

Allstate is the worst.

[@alimohammond9315]

Odon Sabo what insurance company is that, I make sure I don't go there!

[@MariaRodrigues-hk6mg]

Can u do both? File a lawsuit and use ur insurance to cover a totalled car?

[@LawFull]

Morning - so you want to file suit for your injuries against the 3d party and at the same time use your own ins to get your prop damage covered? Sure. Though I would consult with a local attorney to get a local perspective on what you're doing.

[@LawFull]

Morning - so you want to file suit for your injuries against the 3d party and at the same time use your own ins to get your prop damage covered? Sure. Though I would consult with a local attorney to get a local perspective on what you're doing.

[@Eman-bx1yb]

My car got hit while I was shopping. Why did the police guy not issue a ticket? Why did he not verify the information about insurance from the driver. It was expired. I found this out after calling his insurance company. Why did the police not do this?

[@LawFull]

Hard for me to know - happens all the time though. I agree with you though - seems to me they should have issued a ticket.

[@johnbarnett1514]

How can I beat a case with driver with no insurance even though I wasn't in no accident they want me to show proof of insurance but a certain date is there something I can do

[@LawFull]

Hi, Im not sure I understand what you mean. There was no accident? Then who wants you to show insurance and why?

[@johnbarnett1514]

The DMV wants me to show proof of insurance by a certain date

[@johnbarnett1514]

I'm just trying to find out what I can do in my situation I have a lawyer that's dealing with some other tickets of mine over the same thing what are you can't be 1 cases in Plainfield cuz he don't do that area so I'm trying to find out what I can do

[@johnbarnett1514]

@@LawFull just trying to find out what I can do and what situation

[@chicagolegalgroup2870]

@@johnbarnett1514 Ah. ok I see. So the lawyer you already have can't help you with the DMV issue. I'm trying to think who you might talk to on that case. I would think it would be the same lawyer. I personally don't know anyone who handles driver's license suspension cases or cases with the DMV. I'm trying to think but I just can't think of who I could refer you to. I'm sorry about that.

[@goosethealien6694]

I got hit and the driver fled what can my insurance do

[@LawFull]

If you got a license plate number they can find the driver. Hopefully you have coverage for the property damage....

[@scottclan8010]

Just got hit by and uninsured motorist.

[@LawFull]

Hopefully you weren't injured. File a claim with your auto insurance and let them go after the uninsured driver.

[@scottclan8010]

@@LawFull Bet, thank you.

[@rbd6502]

Here's a fun story. I was in a crash with a lady 40+ days ago. Long story short, despite her essentially screaming it was my fault, it was her fault. Anyhow, after her avoiding my phone calls she finally texts me her insurance info (we crashed in front of her workplace so i thought id be nice). She tells me to send someone from my insurance company to look at her car (she hasnt filed a claim even when i gave her all my info) After that brain cell killing conversation a few things happend: 1 she apparently has coverage issues (my local agent says its most likely she isnt paying) 2 she was called by both insurance companies acknowledging a crash did indeed happen 3 around 20+ days ago my insurance has stated im covered under my uninsured motorist... "clause"? and will happily act upon it as soon as her insurance drops her and/or she finnally pays up 4 she had been avoiding contact with her or my insurance companies ever since #1-3 happened 5 ive been waiting for her insurance to drop her ever since Since its the 40th day since i field my claim i will have to file a complaint with the California Department of Insurance since its my right to have my claim resolved somehow barring a substantial reason, in 40 days. A lady not picking up her phone = not substantial. edit i filed an uninsured claim first because she avoided my calls for 2-3 days. as for the accident. it was a T intersection in a parking lot. there were parking spaces on the side of the straightaway. I was going down the straightaway and she ran in front of me trying to park at that T intersection. my insurance found her at fault of course.

[@LawFull]

Hi, really sorry for not responding sooner. As I've mentioned in other posts, I'm not getting notifications of messages. If you still need help on this, please email me at [e-mail]. Sorry again. Barry

[@rbd6502]

@@LawFull its quite alright sir, i mostly posted that comment to vent anyway. in any case the matter was resolved 2-3? weeks ago. my insurance deemed my car a total wreck (unfortunately), i was given $3500 and they towed my car away.

[@LawFull]

@@rbd6502 Sorry to hear that. Ok. Well, again I apologize.

[@slowsloth2519]

What kind of insurance did you have? Deductible? Did the premiums go up now?

[@rbd6502]

@@slowsloth2519 State Farm, liability insurance with one or two things tacked on (uninsured motorist being one) paid $480 every 6 months. I had an accident (also 100% not my fault) a year before this one and insurance didnt go up. I currently dont have car insurance since i have no car but the agent said if i got another car my premium would stay the same. only rate increase i ever got was when i moved to my current residence (was paying ~$400 every 6m before) After 2 accidents i can finally understand why that happened

[@asstastic2323]

Boy hit me head on through intersection. Jumped out said man 100% my fault but just so you know I have no insurance. Cop said he will have court date for his license going to be suspended. But I wasn't in my car. I was in my neighbors car with their daughter. So on medical hospital said I need file it on uninsured of my neighbor. Her insurance after few days says in Ohio the drivers insurance stays with driver so my insurance is primary and hers secondary. I'm confused all the way around. Went through hit and run before sued won and never got a penny. Now I don't know what to do

[@LawFull]

Hey - really sorry to hear this. Tough for me to comment on OH law. Where in OH - I probably know someone I can refer you to who can be a big help to you. If you want to call me personally feel free 847-305-4105. Otherwise, just let me know where in OH. Barry

[@asstastic2323]

@@LawFull south point ohio

[@LawFull]

Hi, I know a guy in Columbus I can refer you to. But I can't do it until tomorrow morning. So I'll get back to you sound good? If you want to you can actually email me your contact information to [e-mail] and I can forward it on.

[@LawFull]

@@asstastic2323 Morning, I spoke with the lawyer I know - if you want to talk to him let me know. Call me at 1-847-305-4105 and I can connect you guys. Barry

[@ElDell]

Shouldn't you call the police at the accident scene because it is a violation??

[@LawFull]

Well, I would suggest you should call the police after every accident anyways so yes I would agree with you.

[@godisone7661]

I had an accident someone hit my car when my car was park and he does not have insurance but good news was I have uninsured motor but my point i still angry on him he does not have insurance what is next step going with the guy who hit me without insurance what penalty he will face i am im California

[@LawFull]

Hi, I dont know what the penalty is in CA for that. I assume a citation but not much more.