How to Handle an Accident Involving an Uninsured Driver
Getting into a car accident is stressful enough. But when the other driver turns out to be uninsured, things can feel even more overwhelming. As a Liberty Lake car accident lawyer
serving Spokane, Spokane Valley, and Coeur d’Alene, I often hear from people who are worried about how they’ll pay for medical bills, car repairs, and time missed from work when the at‑fault driver has no insurance. The good news is—you still have options.
What to Do Right After the Accident
Your actions immediately after the crash can greatly affect your ability to recover compensation. Start by checking for injuries and calling 911. A police report is crucial in uninsured driver claims and provides an official record of what happened.
As you wait for officers to arrive, document everything you can:
- Get the other driver’s name and contact information
- Write down their vehicle details
- Photograph the damage, injuries, road conditions, and surroundings
- Collect witness names if possible
Once you’ve gathered this information, notify your insurance company right away. Because Washington and Idaho use an at‑fault system, the insurance adjuster will review the police report, photos, and statements to determine liability.
How Your Own Insurance Can Help You
When the at‑fault driver is uninsured, your insurance policy may still offer important protections. Many drivers carry uninsured/underinsured motorist coverage (UM/UIM), which is specifically designed for situations like this. As a Spokane personal injury attorney, I often help clients access UM/UIM benefits to cover:
- Medical treatment
- Lost wages
- Pain and suffering
- Sometimes vehicle repairs
If you want to learn more about injury claims, you may find my page on personal injury cases
helpful. (Internal link suggestion)
Additional coverage like collision insurance can pay for repairs regardless of fault. Personal Injury Protection (PIP) can help with medical expenses and, in some cases, lost income. Without these protections, recovering your losses becomes more challenging—but not impossible.
When Legal Action May Be an Option
In some cases, you may consider filing a lawsuit against the uninsured driver. A lawsuit may help you recover compensation for medical costs, property damage, and pain and suffering. However, this is usually most effective when the other driver has income or assets that could be used to satisfy a judgment.
Before taking legal action, it’s important to speak with a Spokane car accident attorney
or Liberty Lake personal injury lawyer
who can evaluate your situation, explain your recovery options, and determine whether pursuing a lawsuit makes sense. An attorney can also help gather evidence and document your damages so your claim is as strong as possible.
What If the Crash Was a Hit-and-Run?
Hit-and-run accidents are treated much like uninsured driver crashes because the at‑fault driver cannot be identified. In these situations, uninsured motorist coverage typically applies. You’ll need to file a police report immediately and notify your insurer. Be sure to provide any helpful details—vehicle color, direction of travel, witness information—so your claim is properly supported.
Understanding Your Options and Protecting Yourself
Accidents involving uninsured drivers can be frustrating, but you’re not powerless. A knowledgeable car accident lawyer can help you:
- Navigate the insurance process
- Communicate with adjusters
- Identify all available sources of compensation
- Make sure your rights are protected every step of the way
Quick action is one of the best tools you have. Reporting the crash promptly, gathering strong documentation, and reviewing your auto policy can significantly reduce financial stress and strengthen your claim.
If you’ve been hit by an uninsured or hit-and-run driver in Spokane, Liberty Lake, Spokane Valley, or Coeur d’Alene, I’m here to help. Contact Duggan Law Offices today to schedule a free consultation and learn more about your options for recovering compensation after an accident.