If you are involved in a car accident and the person who hit you doesn't have insurance, there are several steps you can take to protect yourself and seek compensation for damages. Here's what you should do:
1. Gather information: Collect as much information as possible about the other driver, including their name, contact information, and license plate number. If there were any witnesses to the accident, try to get their contact information as well.
2. Contact the police: Report the accident to the police, even if the other driver doesn't have insurance. This will create an official record of the incident, which may be useful when filing an insurance claim or seeking legal action.
3. Notify your insurance company: Contact your own insurance company and inform them about the accident. They will guide you through the claims process and may be able to provide coverage under your uninsured motorist policy, if you have one.
4. File a claim: Depending on your insurance policy, you may be able to file a claim for damages with your own insurance company. This could include coverage for property damage, medical expenses, and other losses resulting from the accident.
5. Consider legal action: If the other driver doesn't have insurance and you have significant damages that are not covered by your own insurance, you may need to consider taking legal action. Consult with a personal injury attorney to understand your options and determine the best course of action.
6. Document everything: Keep detailed records of all interactions, expenses, and damages related to the accident. This includes medical bills, repair estimates, and any other relevant documents. These records will be important when seeking compensation.
Remember, it's always a good idea to consult with an attorney who specializes in personal injury cases to understand your rights and options in this situation. They can provide guidance tailored to your specific circumstances. Please note that this information is not legal advice and should not replace professional legal counsel.