Being hit by an unlicensed driver can add stress and confusion to an already difficult situation. An unlicensed driver is anyone who is behind the wheel without a valid license – this could mean they never had one, their license is expired, or it’s been taken away or suspended by the state for things like unpaid tickets or driving infractions. Knowing what to expect when hit by someone who shouldn’t be driving is crucial as you try to get the compensation you’re entitled to.

How Will an Accident with an Unlicensed Driver Affect Your Insurance Claim?

Getting in a car accident with an unlicensed driver can make the insurance claims process feel a lot more complicated. Here’s what you should know about the steps you can take:

Filing a Claim with Your Own Insurance (Uninsured/Underinsured Motorist Coverage)

If the other driver doesn’t have a license, there’s a good chance they also don’t have valid insurance. In this case, your own auto insurance policy might help – most policies include uninsured or underinsured motorist (UM/UIM) coverage. This protection steps in to pay your medical bills or fix your car when there’s no insurance from the other driver, so it’s vital to notify your insurer as soon as possible.

Using Your Health Insurance

When auto insurance isn’t available or enough to cover your injuries, your own health insurance can be used to pay for doctor visits, hospital stays, and follow-up care. Be sure to keep records of all treatment and bills; your health insurer might want to seek repayment if you win money from another claim.

Pursuing a Lawsuit

Sometimes, you may need to sue the unlicensed driver personally, especially if they have assets or another responsible party was involved (like the owner of a borrowed car). Legal action can get complicated, and collecting money from someone who doesn’t carry a license or insurance is often difficult, so professional guidance from a Fresno accident lawyer is important. Being hit by someone who wasn’t legally able to drive can make recovery harder, but knowing your insurance options and your legal rights can help you get the support you need.

How a Personal Injury Lawyer Can Help You After Being Hit By an Unlicensed Driver

If you’ve been hit by a driver without a valid license, a personal injury lawyer can guide you through the many hurdles that follow the crash. Here’s what they can do for you:

• Help With Insurance Claims: Your Fresno injury lawyer reviews your policy and files claims with the other party’s insurance company or your insurer, making the best use of uninsured or underinsured motorist coverage if the other driver isn’t covered.
• Gathering Evidence: An attorney collects police reports, witness statements, and medical records to prove both the other driver’s lack of a license and liability for your injuries.
• Exploring Legal Options: If your damages run beyond insurance coverage, your attorney can look for other parties who might share responsibility – like a car’s owner or employer – and pursue additional claims or lawsuits.
• Negotiating and Advocating: Your lawyer handles back-and-forth with insurance adjusters and any involved third parties, fighting for fair compensation for medical costs, lost income, and pain and suffering.

With a personal injury attorney on your side, you have a better chance of recovering compensation in this difficult situation. Contact us today to schedule a free consultation.