Hit by an unlicensed and uninsured motorist, What do I need to do?

Asked almost 2 years ago - Gadsden, AL

I was rear-ended by an unlicensed, uninsured motorist. I have UM-UIM 25/50 insurance to cover the medical side of the accident, but I have no idea where to start on getting my vehicle repaired or replaced. The person that hit me is not listed as the registered person of the vehicle, but the police report still list the vehicle as uninsured. So, I'm assuming that means the person the vehicle is registered to does not have insurance on it either. If not where do I find out that information. Any help would be greatly appreciated.

Attorney answers (6)

  1. Christian K. Lassen II

    Pro

    Contributor Level 20

    21

    Lawyers agree

    Answered . Retain a personal injury lawyer who can verify whether or not there was truly no policy. Do not try to handle your UM claim yourself, as you can easily sabotage your good claim. It's never a good idea to play lawyer.

    Only 29% Contingency Fee! Phone: 215-510-6755 www.InjuryLawyerPhiladelphia.com
  2. Tatiana Kadetskaya

    Contributor Level 19

    20

    Lawyers agree

    Answered . Trying to handle the UM side is a mistake, and you would want to retain a personal injury lawyer to go after that money, as they don't just hand it over to you like candy. The same lawyer can resolve your vehicle issues.

  3. Mark Christopher Wolfe

    Pro

    Contributor Level 13

    18

    Lawyers agree

    Answered . Do not assume the officer tried to contact the registered owner to see if he or she had liability coverage. They usually do not do this. Send the owner a letter asking him or her to notify their insurance company of your potential claim. Date the letter and keep a copy for your files. Not necessary to send the letter certified but if you do also send a copy by regular mail. Hopefully the owner will have liability coverage that will pay for your property damage and injuries. I'm including a link to the auto-crash resource center of our web site where you can find more helpful information. Also, I would encourage you to talk with an experienced auto-negligence attorney in your area for further information about your claim. Good luck and I hope and pray you have a favorable recovery from you injuries.

  4. Jon Ethan Lewis

    Contributor Level 14

    18

    Lawyers agree

    Answered . Did you have collision coverage? Depending on what you find about the owner, you may have a negligent entrustment claim. Was the other driver under the influence? You should also get his driving record. Finally, you may have more than $25/50 if you have more cars in your household.

    No representation is made that the quality of legal services to be performed is greater than the quality of legal... more
  5. Randy William Ferguson

    Contributor Level 19

    14

    Lawyers agree

    Answered . You really should get an attorney. If they do not have insurance, your insurance will compensate you just like they did. They will go after the other driver or owner. Your attorney can send them a letter and see if they have insurance.

    The response given is not intended to create, nor does it create an ongoing duty to respond to questions. The... more
  6. Michael Shemtoub

    Contributor Level 17

    12

    Lawyers agree

    Answered . You need to turn this over to your insurance company. In Alabama it is a law that every vehicle has to have insurance. The other party is reliable for the repairs. You might want to seek the advise of a local car accident attorney to protect your rights.
    Good Luck

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