02/19/2026
🚗 Did You Know? More Than 15% of U.S. Drivers Are Uninsured.
That means if you’re in an accident, there’s a growing chance the other driver may not have coverage. In some areas, it’s closer to 1 in 4 drivers.
So what happens if you’re hit by someone without insurance? Here’s what you need to know:
⬇️
🔹 If the Uninsured Driver Is at Fault
You may need to rely on your own insurance. If you have Uninsured Motorist (UM) coverage, it can help with:
✔️ Medical bills
✔️ Lost wages
✔️ Pain and suffering
Without UM coverage, your only option may be legal action—and that’s where I can help.
🔹 If You Are at Fault
Even if the other driver is uninsured, your policy still applies. Consider protecting yourself with:
✔️ Collision coverage
✔️ MedPay or Personal Injury Protection
🔹 After a Hit-and-Run
Hit-and-runs are treated like uninsured accidents. Be sure to:
📞 Call 911
📸 Document the scene
📄 File a police report
📬 Notify your insurance company
Your UM coverage may still apply.
⚖️ When Legal Action Is Needed
If insurance doesn’t fully cover your damages, a lawsuit may be your best option. Every case is different—and many people don’t realize what compensation may be available.
As your advocate, Poisson Law can:
✔️ Investigate financial responsibility
✔️ Identify all possible sources of compensation
✔️ Build a strong case on your behalf
💬 If you’ve been involved in an accident with an uninsured driver—or want to understand your options—Poisson Poisson and Bower is here to help. Reach out anytime.
