Unlicensed Driver Accident in the USA: What to Do and How to Protect Your Car

Imagine the shock and frustration you feel when an unlicensed driver crashes into your car in the USA. The first question that often arises is: Will you be covered for the damages? This article will guide you on the steps to take and the legal measures available to protect your car and claim compensation.

The Role of Uninsured Motorist Coverage

It's crucial to have the right insurance coverage for such accidents. Uninsured Motorist Coverage is a type of insurance that protects you if you are struck by an uninsured driver. In most cases, if you have this coverage, your insurance company will cover the damages to your car. However,_if you don't have this coverage and the at-fault driver is uninsured, you may be left with significant financial obligations.

What Happens If You Are Hit by an Unlicensed Driver

If you're involved in an accident with an unlicensed driver, there are several factors that can determine the outcome. If you were at fault, such as running a red light, the insurance status of the at-fault driver is irrelevant. You might receive a fine and your insurance company would likely deny your claim. It’s important to understand the specific policies and laws of your state to navigate through the situation effectively.

Steps if You Don't Have Coverage

Without insurance coverage, you have several options. You can choose to accept your loss and move on, or you can take a proactive approach by seeking legal assistance. Here’s what you can do:

Consult a Lawyer: If the driver who hit you is uninsured, a lawyer may be able to help you file a lawsuit against the at-fault driver to recover the cost of damages. Demand Repairs: Obtain estimates from your body shops and present them to the court. This helps in showing that you have taken steps to repair your car. Payment Plan: Propose a payment plan if the at-fault driver cannot pay the full amount immediately. This shows that you’re willing to be fair and reasonable in the process. Damage and Suspension of License: Legal proceedings might also mandate the at-fault driver to get a Driver's License Suspension until they obtain insurance and reimburses you for your damages.

Further Steps with the State’s Financial Responsibility Agency

After the court proceedings, you may need the help of your state’s Financial Responsibility Agency to ensure that the at-fault driver stays responsible for their actions.

Steps:

Contact the state’s Financial Responsibility page online to find their contact number. Call them and discuss the situation. They can help you get the at-fault driver’s license suspended until they obtain insurance and repay you for your damages. If the state is not able to help with reimbursement, they can still suspend the driver's license, making it expensive for them to drive without insurance.

Conclusion

Dealing with the aftermath of an accident with an unlicensed driver can be overwhelming, but being prepared and informed is key. Ensuring that you have the right insurance coverage and taking the appropriate legal steps can help you protect your car and claim the compensation you deserve. Always remember to stay informed about your state's laws and regulations to navigate these situations more effectively.