What to Do If You’re Hit by an Uninsured Driver in Long Island or NYC
Jason Altman

Getting into a car accident is stressful enough—but finding out the other driver has no insurance can make the situation feel even more overwhelming. Unfortunately, uninsured and underinsured drivers are more common than many people realize across Long Island, Queens, Brooklyn, and the greater NYC area. The good news: you still have options to recover compensation for your injuries, vehicle damage, and financial losses.

Immediate Steps to Take After an Accident with an Uninsured Driver

If you’re hit by an uninsured driver, the first thing you should do is check for injuries and call the police. A police report is essential for any insurance claim or potential legal action and helps protect your rights later.

While at the scene, gather as much information as possible, including:

  • The other driver’s contact details
  • The make, model, and license plate of their vehicle
  • Photos and videos of the scene and damage
  • Statements or contact info from witnesses

Once you leave the scene, notify your insurance company promptly. In New York—an at-fault state—the driver responsible for the crash is financially liable, but if the at-fault driver has no insurance, your own coverage may step in.

How Your Own Insurance Can Help

Many New Yorkers carry uninsured/underinsured motorist (UM/UIM) coverage, which often provides protection after a crash with an uninsured driver. This type of coverage may help pay for:

  • Medical expenses
  • Lost wages
  • Pain and suffering (in many cases)
  • Vehicle repairs, depending on your policy

If you also have collision coverage or Personal Injury Protection (PIP), those benefits may help with repairs and medical bills regardless of fault. Without these optional coverages, obtaining full compensation can be more challenging—but not necessarily impossible.

When Filing a Lawsuit May Be an Option

In some cases, you may be able to file a lawsuit directly against the uninsured driver. A lawsuit can help you recover compensation for medical costs, property damage, and other losses. However, this option is usually more effective if the at-fault driver has income or assets to satisfy a judgment.

Speaking with an experienced Long Island personal injury lawyer or NYC car accident attorney can help you understand whether legal action makes sense for your situation.

What to Do If the Driver Flees the Scene

A hit-and-run accident is often treated similarly to an uninsured driver case. If the at-fault driver cannot be identified, your UM coverage typically applies. Be sure to file a police report immediately and notify your insurance provider as soon as possible.

Why Working With an Experienced Attorney Matters

Navigating a crash involving an uninsured driver can feel confusing and frustrating. A knowledgeable attorney can help you:

  • Communicate with your insurance company
  • Handle paperwork and deadlines
  • Investigate the at-fault driver’s ability to pay
  • Pursue every available path to compensation

If you were hit by an uninsured driver in Long Island, Queens, Brooklyn, or anywhere in NYC, our team at Jason C. Altman P.C. is here to help. As a trusted Melville personal injury lawyer and NYC car accident attorney, we fight to protect your rights and guide you through every step of the process.

Contact us today for a free consultation and learn how we can help you move forward.