CAR ACCIDENT WITHOUT INSURANCE

What to Do If You’re in a Utah Car Accident Without Insurance (and It’s Not Your Fault)

1. Consult a Personal Injury Attorney

  • You can still file a personal injury claim even if you were uninsured at the time of the accident. The lack of insurance will generally not affect the claims process or potential trial. Do not let being uninsured stop you from seeking legal advice or compensation for injuries.

2. Addressing the Insurance Violation Ticket

  • You may receive a citation for driving without insurance, but this is unrelated to your right to seek damages from the at-fault party. A no insurance ticket does not impact your eligibility to claim compensation for your injuries and property damage.

3. Limitations on Compensation (No Underinsured Motorist Benefits)

  • Your recovery will be limited to the liability policy of the at-fault driver. Without your own insurance, you cannot access underinsured motorist benefits, which would have provided additional compensation if the at-fault driver’s insurance was insufficient.

4. Absence of Personal Injury Protection (PIP) Benefits

  • Utah’s PIP benefits typically cover initial medical expenses up to $3,000, regardless of fault, but these are only available through your own car insurance. Without insurance, you won’t have PIP benefits, which means you must rely solely on the at-fault driver’s liability insurance and potentially out-of-pocket expenses for immediate costs.

Key Points to Consider:

  • Even without insurance, it’s important to consult with an attorney who can guide you on claiming damages effectively.
  • An experienced personal injury lawyer can help you understand your options and maximize your compensation within the scope of the at-fault driver’s policy.

CALL/TXT UTAH CAR ACCIDENT LAWYER JAKE GUNTER (801) 373-6345

  • If you’re injured in a car accident while uninsured, don’t hesitate to seek legal help. The absence of insurance at the time of the accident does not preclude you from pursuing compensation. Reach out to Jacob S. Gunter at (801) 373-6345 or gunterj@provolawyers.com for guidance on your case.