What do i do if the person who hit me doesnt have coverage?

A man hit me on my way to work. He caused damage to my car and i got injured. I have an injuries lawyer but now we found out he doesnt have coverage. I dont want to go through my insurance company because i dont want to pay the deductible and i wont receive a rental while my car is being fixed. He was at fault. If my insurance has to cover it they said my rates will go up

  1. 627 POINTS
    Dan Lyles
    agent, Lyles Insurance, Wheelersburg, Ohio
    I doubt if you have a choice here but to file a claim on your insurance. because the alternatives are not so good: 1. either file suit against the other driver (probably won't help because if he didn't have money to buy insurance, he probably doesn't own any assets either).... or option 2. eat the claim and expenses. (probably won't work for you either because you were injured and had property damage). this option would only be reasonable if the dollar amounts of the claim are low enough. since you obtained a lawyer, I doubt this is the case here.

    as far as your insurance going up, a not at fault accident only raises rates slightly (if they go up drastically, I would shop around for another company).
    Answered on December 14, 2014
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Keeping in mind the fact that insurance only provides coverage, it does not limit liability, if the other guy is at fault then he is liable for the damage to your car. That having been said, unless you are willing to invest the time and money to bring him to court, it would be quicker for you to file a claim with your insurance company. If they pay to repair your car, it wil cost you your deductible, and you apparently do not have rental coverage, but they shouldn't raise your rates because you did not cause the loss. Beyond that follow the advice of your attorney regarding any other options toward this guy.
    Answered on December 16, 2014
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  3. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! I am sorry to hear about your accident, and your injury, I pray for your speedy recovery. I have to say that it is really probably best for you to file the claim. Unless you have enough money to pay for the repairs and a rental (or buy a new car), it is best to let the insurance company pay, and then figure out how to cover the deductible, and find rides to work until the car's fixed. They will pursue the other person to recoup their loss, and save you the hassle of trying to do that. You've paid for the insurance, you might as well take advantage of it. I was in a similar position, and my rates only went up slightly, as it wasn't my fault either. I hope the same for you. Good luck, and thanks for asking!
    Answered on December 16, 2014
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  4. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    An optional coverage on an auto policy is uninsured and underinsured motorist coverage. If you can identify the driver, these coverages will normally be available. The quickest way to handle the claim is to get an accident report from the authorities and notify your insurance company of your loss. They will repair your car under the collision coverage and “subrogate” against the other driver. If they are unsuccessful in attempts to collect from the other driver then the uninsured or underinsured coverage will come into play.
    Answered on December 17, 2014
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  5. 0 POINTS
    Ruben Romero
    Owner, Entrust Insurance Agency, Bronx NY
    If the person does not have insurance then your option is to report the accident with your company ( IF) you have full coverage for the damages. As far as medical in NYS PIP coverage(No Fault) would be pay for the injuries to you and your passengers no matter who's at fault up to the limit on the policy. I cannot speak for any other state or your policy without looking at it. Depending on the state, UMI can be three separate coverage.( UM,UIM & UMPD). As mentioned previously uninsured/under-insured would kick for medical bills, pain and suffering and lost wages. If you have uninsured motorist property damage (UMPD). You can file a claim under that coverage with you company for vehicle repair. Thank you.
    Answered on December 24, 2014
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