Insurance Quotes

Get quick and easy insurance quotes

Currently insured?:
Yes No

What happens if I'm hit by a person who has no insurance and the vehicle that hit me is still being paid for?

Auto Insurance Forum

Feb. 13, 2007

Question:

What happens if I'm hit by a person who has no insurance and the vehicle that hit me is still being paid for?

Charles, Kansas

Answer:

Dear Charles,

When you are hit by an uninsured motorist, you can file a claim on your collision insurance. You can then ask the other driver to reimburse you for your deductible. If he or she refuses, you have the right to sue.

If you do not have collision insurance, you can ask the other driver to pay for damages. Again, if he or she refuses, you have the right to sue. Also, Kansas law says that if you are injured and your medical costs exceed $2,000, you have the right to sue for pain and suffering.

Whether or not the other driver's car is paid for has no impact on your rights to have your car restored to pre-accident condition.

 

Back to the Forum

Disclaimer: We are journalists, not financial planners or insurance brokers. Nothing we say should be interpreted as a recommendation to buy or sell any insurance product, or to provide other financial or legal advice.

 

Ready to get a quote?

Get quick and easy insurance quotes

Insure.com Redesign Survey