What if I am Hit by a Driver Who Does Not Have Insurance?

As a rideshare or FHV driver who is on the road for many hours daily, you may have had your share of near-misses when it comes to car accidents. However, the day may come when you are hit by an uninsured driver, your car needs repairs, and you may not know what to do next, OR know what your options are legally.

New Jersey’s Standard Liability Car Insurance

Under New Jersey’s insurance laws, all vehicle owners must have proof of minimum liability insurance to register their vehicles. State minimums are:

• $15,000 for bodily injury or death per person in a single accident.
• $30,000 for bodily injury or death per accident, if multiple people are injured.
• $5,000 for property damage per accident.

In New Jersey, uninsured motorist coverage (UM) is also required. State minimums are:

• $15,000 per person for bodily injury caused by an uninsured/underinsured motorist.
• $30,000 total per accident for bodily injury if multiple people are injured.

This insurance kicks in after the at-fault driver’s insurance is exhausted. You are already paying on this insurance and can use this coverage if you are hit by an uninsured driver. To do this, you would file a claim with your own insurance company and receive benefits through it.

Connecticut’s Standard Liability Car Insurance

Under Connecticut’s insurance laws, all vehicle owners must have proof of minimum liability insurance to register their vehicles. State minimums are:

• $25,000 for bodily injury or death per person in a single accident.
• $50,000 for bodily injury or death per accident, if multiple people are injured.
• $25,000 for property damage per accident.

Connecticut’s insurance laws require all auto insurance policies to include uninsured motorist coverage in these same amounts. This insurance kicks in after the at-fault driver’s insurance is exhausted. You are already paying on this insurance and can use this coverage if you are hit by an uninsured driver. To do this, you would file a claim with your own insurance company and receive benefits through it.

Illinois’ Standard Liability Car Insurance

Under Illinois’ insurance laws, all vehicle owners must have proof of minimum liability insurance to register their vehicles. State minimums are:

• $25,000 for bodily injury or death per person in a single accident.
• $50,000 for bodily injury or death per accident, if multiple people are injured.
• $20,000 for property damage per accident.

Illinois’ insurance laws require all auto insurance policies to include uninsured motorist coverage in these same amounts. This insurance kicks in after the at-fault driver’s insurance is exhausted. You are already paying on this insurance and can use this coverage if you are hit by an uninsured driver. To do this, you would file a claim with your own insurance company and receive benefits through it.

Massachusetts’ Standard Liability Car Insurance

Under Massachusetts’ insurance laws, all vehicle owners must have proof of minimum liability insurance to register their vehicles. State minimums are:

• $20,000 for bodily injury or death per person in a single accident.
• $40,000 for bodily injury or death per accident, if multiple people are injured.
• $5,000 for property damage per accident.

In Massachusetts, uninsured motorist coverage (UM) is also required. State minimums are:

• $20,000 per person for bodily injury.
• $40,000 total per accident for bodily injury.

This insurance kicks in after the at-fault driver’s insurance is exhausted. You are already paying on this insurance and can use this coverage if you are hit by an uninsured driver. To do this, you would file a claim with your own insurance company and receive benefits through it. 

How IDG Legal Can Help With Car Damages

If you are involved in a car accident but have not been injured, and are only concerned about the damages to your car, you can speak with an IDG Legal preferred lawyer who will guide you through the process. They can assist you with:

• Negotiating with insurance companies.
• Preparing you for a Small Claims Court case if a driver’s insurance does not cover all costs of repairs.
• Guide you through a possible car damage lawsuit if you are being sued as the driver at-fault in the accident.

If you are hurt in an accident caused by someone else’s negligence, you may be able to explore other possible options for recovery; such as if another driver was involved, or if an employer was legally responsible for the actions of the at-fault driver. Call our helpline at (646) 687-7587,or tap below and fill out a form to learn more and speak with a licensed attorney who can assist in explaining your rights.