I was recently involved in a car accident and just found out the other driver doesn’t have insurance. What steps should I take in this situation, and how does it affect my ability to recover damages? Has anyone dealt with this before or have advice on what to do next?
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An uninsured driver complicates things, but you still have options. First, file a police report and document everything (photos, witness info, medical records). Check your own insurance policy for uninsured motorist (UM) coverage, which is specifically designed for this situation and can cover your medical bills and vehicle damage. If you don’t have UM coverage, you may be able to sue the other driver directly, though collecting from someone without insurance is often difficult. Contact your insurance company immediately to report the accident and explore your coverage options. An attorney can help you navigate whether to pursue the uninsured driver or rely on your own policy benefits.
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