What to do if the driver of the car that hit me doesn’t have insurance?

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What to do if the driver of the car that hit me doesn’t have insurance?

Asked on July 26, 2017 under Accident Law, New Jersey

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

You can file a claim on your own insurance policy assuming that you have collision coverage (your insurer will then "subrogate" the claim and sue the at fault driver). If you do not have such coverge, then your only option is to sue the other driver and hope that they have the money to pay any judgment that you may be awarded agaist them. However, if they didn't have enough money to buy insurance in the first place, then you'll unable to collect any money.


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