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What Happens when The Person Who Hit Me Doesn’t Have Insurance?

Wilson & McQueen Sept. 8, 2022

Going through a car accident can be devastating on many levels. Along with the emotional trauma, you may have injuries and significant damage to your vehicle.

As you seek medical care, you may start to think about the cost of your treatment, especially if you know the other driver had little or no insurance. Instead of focusing on trying to get better, you may find yourself stressed about how you will pay an increasing amount of doctor bills.

Here’s what you should know about handling a car accident with an uninsured (or underinsured) driver.

They May Not Be Collectible

Drivers in Kentucky are supposed to have car insurance, and there are penalties for those who drive without it. However, the law does not prevent those who cannot afford the insurance from getting behind the wheel and hoping they do not get caught.

After an accident with someone who does not have insurance, the initial response is to pursue them personally. When the other driver cannot afford to pay for the damage they caused, it can make the situation frustrating.

Relying on Your Coverage

In addition to coverage for bodily injuries and property damage, Kentucky also requires motorists to have uninsured motorist coverage. Uninsured motorist coverage can help you cover the expenses that come with recovering from a car accident with someone who did not have insurance.

Remember that seeking coverage from an insurance carrier, whether yours or another motorist’s, can be challenging. In some cases, you may need to negotiate with them to get the recovery that you need.