You can always make a claim against the person who causes an accident. However, if that person has no insurance, it can become more difficult. Most people who have no insurance do not have any assets to protect, so suing them may be fruitless. Obviously, you will need to talk to an experienced personal injury attorney to evaluate your options.
I frequently have clients who are injured by uninsured motorists. The first thing I want to find out is whether the client has uninsured motorist coverage on their own automobile policy. This is very valuable insurance because it will help compensate you and protect you if you are injured by someone who has no insurance or has limited insurance. For example, if the other driver has no insurance or has minimal liability limits (like $10,000.00) and your damages are $100,000.00, your uninsured motorist coverage can be used to cover your damages that exceed the other driver’s insurance limits.
Given the number of drivers on the road who have no liability insurance (or who have minimal coverage), purchasing uninsured motorist coverage is a great option. Of course, it costs money to buy such coverage, but declining this coverage will turn out to be a mistake if you happen to be injured by an uninsured or underinsured motorist.
Talk to an experienced personal injury attorney to discuss whether uninsured motorist coverage is right for you.