What to Do If You're Hit by an Uninsured Driver

female on phone after car accident

Driving in Boulder, with its stunning views and bustling streets, can sometimes bring unexpected challenges, like being involved in an accident with an uninsured driver. This scenario can be particularly stressful, as it may complicate the process of receiving compensation for damages and injuries. However, knowing the proper steps to take can alleviate some of this stress and protect you. Here’s what you need to know if you find yourself in this situation.

Understand Your Insurance Coverage

The first step after discovering that the other driver is uninsured is to review your own auto insurance policy. Specifically, look for your uninsured motorist (UM) coverage. This part of your policy is specifically designed to protect you in the event that an uninsured driver hits you. UM coverage can help pay for your medical expenses and, in some cases, damages to your vehicle or lost wages.

Report the Accident

Even if the other driver lacks insurance, it’s important to treat the accident like any other from a procedural standpoint:

  • Call the police immediately. Having a police report on file is crucial, as it provides an official account of the incident. This can be invaluable when you file an insurance claim.
  • Document the scene. Take photos of your vehicle and the other vehicle, any visible injuries, and the overall accident scene. These photos can provide crucial evidence for your insurance claim.

Seek Medical Attention

Always prioritize your health and safety. If you or anyone else involved in the accident has sustained injuries, seek medical attention immediately. Some injuries, especially those related to whiplash or concussions, might not be immediately apparent.

Contact Your Insurance Company

Notify your insurance company about the accident as soon as possible. Provide them with all the necessary documentation, including the police report, photos of the accident, and any medical records. Be honest and detailed about the incident and your injuries. This will help ensure that your claim is processed efficiently.

Consult with a Personal Injury Lawyer

Dealing with accidents involving uninsured drivers can get legally complex, especially when injuries are involved. Consulting with a personal injury lawyer who specializes in car accidents can provide several benefits:

  • Expert guidance on your legal options: A lawyer can help you understand the full scope of your legal rights and what compensation you might be entitled to.
  • Negotiation with insurance companies: Experienced lawyers are skilled in negotiating with insurance companies to ensure you receive fair compensation.
  • Legal representation: If your case goes to court, having a lawyer represent you will be essential.

Prepare for Possible Legal Action

Legal action might be necessary if your insurance does not fully cover the damages or if you face significant out-of-pocket expenses due to the accident. Your personal injury lawyer can advise you on the feasibility and the process of filing a lawsuit against the uninsured driver.

Stay Organized and Patient

The process of resolving a car accident, especially with an uninsured driver, can be lengthy and complicated. Keep detailed records of all correspondence with your insurance company, any legal advice you receive, and expenses incurred due to the accident. Staying organized will help you maintain a clear picture of the ongoing process.


Getting hit by an uninsured driver in Boulder doesn't have to be a catastrophic event if you know how to handle the situation appropriately. By understanding your insurance policy, documenting the accident thoroughly, and seeking appropriate medical and legal help, you can confidently navigate this challenging situation.

If you’re dealing with an uninsured driver accident and need expert legal guidance, Chris Parks Law is here to help. Our experienced team is committed to ensuring accident victims receive the justice and compensation they deserve. Contact us today for a consultation, and let us take care of the legal complexities while you focus on your recovery.

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