Home > Research Legal Advice > Car / Auto Accident > I was hit by an uninsured motorist, what can I do
Asked 3 months ago - Washington, DC
FlagI was hit in the rear end in Washington D.C. traffic. We exchanged information but when I called his insurance company they said his insurance was canceled. I only have liability coverage what can I do?
Double check your policy. Oftentimes, even with no collision coverage, you may have uninsured motorists coverage (it's a very inexpensive premium to add). Also, if your were injured, you may also have personal injury protection coverage, which wold pay for medical bills and lot wages. If none, then you can do a little research on the vehicle owner and driver. If there's more than one registered owner, or if the owner is different from the driver, you may have a claim against the other owner, who either has assets or other potential insurance. If the driver was not the owner, then it is possible the driver borrowed the car, but otherwise has his own insurance on another vehicle. If none of these scenarios apply to you, then I am afraid you may be stuck with filing a direct suit against the driver/owner. You should always carry uninsured motorists coverage, especially in the District.
Perhaps he has liability coverage with another carrier; or was operating his vehicle in the course & scope of his employment etc. , or was not the registered owner of the vehicle,. You need to investigate several other avenues of possible proof of liability coverage. In California, I would file a report with the department of motor vehicle & follow up with their investigation. You need to seek the advise of a good Washington D.C. attorney!!!
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