What to Do If You’re in an Accident with an Uninsured Driver
Steps to Take After a Crash with an Uninsured Driver in Arizona
Imagine this: you’re driving home and suddenly—crash! Another car hits you. You’re shaken, maybe even hurt, and then you find out the other driver has no insurance. What now?
Don’t panic. You still have options. Here’s what to do to protect your health, your money, and your legal rights.
1. Put Safety First
Check yourself and your passengers for injuries. If the cars can move, pull over to a safe spot. Turn on your hazard lights.
👉 Always treat this like any other accident. Safety comes first.
2. Call the Police
Always file a police report. This is even more important when the other driver doesn’t have insurance. The report is proof of what happened and will protect you later.
3. Gather Information
Without insurance details from the other driver, your own notes are key. Write down or take photos of:
- The driver’s name, phone, and address
- License plate and vehicle info
- Photos of damage, the scene, and injuries
- Names and numbers of any witnesses
📸 The more evidence you collect, the stronger your case will be.
4. Call Your Insurance Company
Your insurance may still cover you through:
- Uninsured Motorist (UM) coverage – Pays medical bills and lost wages
- Collision coverage – Helps pay for car repairs
- MedPay – Pays medical bills, no matter who’s at fault
Report the accident right away to start the process.
5. Don’t Take Cash at the Scene
Uninsured drivers may offer money instead of calling the police or insurance. It may sound easy, but don’t accept it. Without official records, you could be stuck paying thousands later.
6. Talk to a Personal Injury Lawyer
Cases with uninsured drivers can be complicated. A lawyer can explain your rights, deal with the insurance company, and fight for fair compensation. Most injury lawyers work on a contingency fee — meaning you don’t pay unless they win your case.
Why This Matters
Getting hit by an uninsured driver is stressful. But by staying calm, gathering evidence, and knowing your insurance options, you can protect yourself. A lawyer or accident helpline can make the process easier. Bottom Line: If you’re hit by an uninsured driver, don’t give up. Stay safe, file a report, call your insurance, and get legal help.
Involved in an accident with an uninsured driver? Call Christina Now for free 24/7 accident support. We’ll connect you with trusted doctors, lawyers, and repair shops—so you can focus on recovery while we handle the rest.
