Can You File a Claim After an Auto Accident With No Insurance?

If you were in an auto accident with no insurance in Utah but were not at fault, you still have options to pursue compensation for your injuries and damages. Here’s what you need to know:

1. You Can Still File a Personal Injury Claim

Even if you did not have car insurance at the time of the accident, you can file a personal injury claim against the at-fault driver.

• Key Point: Your lack of insurance typically won’t be relevant in the claims process or during a trial if your case goes to court.
• Tip: Don’t let being uninsured stop you from seeking compensation for your injuries.

2. A No-Insurance Ticket Has Little Impact on Your Claim

If you were cited for not having insurance at the scene, it’s important to know that this ticket does not affect your ability to:

• Request compensation for medical bills and car damage.
• File a personal injury lawsuit against the at-fault driver.

There is no legal barrier to filing a claim simply because you were uninsured.

3. No Access to Underinsured Motorist Coverage (UIM)

Had you been insured, you could have filed an underinsured motorist claim if the at-fault driver’s liability coverage wasn’t enough to fully compensate you.

• Without Insurance: Your compensation will be limited to the at-fault driver’s liability policy limits.

4. No Personal Injury Protection Benefits (PIP)

In Utah, Personal Injury Protection (PIP) benefits provide no-fault coverage for the first $3,000 in medical expenses.

• Without Insurance: You won’t have access to PIP benefits because these come from your own insurance policy.
• Impact: You will need to rely on the at-fault driver’s insurance for all medical and injury-related expenses.

Conclusion: You Have Options Even Without Insurance

Being in an auto accident with no insurance does not bar you from pursuing compensation in Utah. While you won’t have access to certain benefits like PIP or UIM, you can still file a personal injury claim against the at-fault driver.

Take Action Now

Don’t let a lack of insurance stop you from protecting your rights. Contact Attorney Jacob S. Gunter, an experienced Utah personal injury lawyer, at (801) 373-6345 or email [email protected] for a free consultation.

Learn More About Utah Accident Lawyer Jake Gunter

For additional insights on Utah personal injury law and to get to know Jake Gunter better, check out these helpful videos:

• Meet Jake Gunter – Learn more about Jake Gunter’s background, experience, and dedication to helping clients throughout Utah.
• How to Choose a Utah Personal Injury Attorney – This video offers guidance on selecting the right personal injury attorney to ensure you receive effective representation.
• What Jake Gunter Does and Who He Represents – Discover the types of cases Jake Gunter handles and how he advocates for the rights of injured individuals statewide.

These resources will provide you with valuable information as you consider your legal options. For any questions or to schedule a free consultation, feel free to reach out to us directly.