What Happens if the At-Fault Party Does Not Have Car Insurance?

Being involved in any car accident is not a pleasant experience. Finding out the other driver is involved in the car accident without insurance only makes things worse.

We hope that you never find yourself in that troublesome situation. In case you do end up in that situation, feel free to use the information here to come up with a way out of it.

What to Do Following a Car Accident with an Uninsured Driver

File an Uninsured Motorist Claim, also known as UIM, with your own insurance company.

File an Insurance Claim

Uninsured motorist coverage is a policy you pay for. The State of Maryland requires every driver to carry a minimum of $30,000 of UIM.

Uninsured Motorist Coverage

What is UIM and How Does it Help

UIM gives you a way to claim compensation if the at-fault driver doesn't have insurance or doesn't have enough insurance to cover your medical bills and property damage.

Be prepared to negotiate

Your insurer may still haggle over how much they should pay you. Be prepared to prove your case with all of the bills and evidence you can gather.