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What Happens If The Person Who Caused The Accident Doesn’t Have Insurance?

beacon on the road

Let’s talk about your options after being hit by an uninsured driver. About 20% of people on the road potentially don’t have insurance. There are many reasons why a driver might not have purchased insurance.


  • They might not have realized their policy elapsed
  • They’re an excluded driver that is driving someone else’s car
  • They are unable to get insurance but need to drive anyway

Most people ask, “If the person who hit me doesn’t have insurance how do I file a claim and against who”? You may have purchased Uninsured Motorist (“UM”) insurance on your vehicle. This means that if you are hit by someone who doesn’t have insurance or perhaps someone who has fled the scene and hasn’t been found, your Uninsured Motorist Coverage could provide you with recovery from that accident.

UM Insurance could have been purchased on your auto policy when you first signed up for coverage. UM is a coverage that protects you if you’re involved in an accident and the other party doesn’t have liability insurance or doesn’t have enough liability insurance to cover your damages. We always recommend choosing to add this feature to your policy because it will protect you from uninsured drivers on the road. Georgia Law, unfortunately, does not require motorists to carry this coverage. If you’ve been hit by an uninsured driver call us today so we can help investigate if you may have UM available to you.