What If I'm Hit By an Uninsured Driver? Here's What You Need to Know

Getting into an accident is stressful enough—but finding out the other driver doesn’t have insurance can make it feel even worse. If you’ve been hit by an uninsured (or underinsured) driver in Virginia or North Carolina, don’t panic. You still have options—and knowing your rights can help you recover the compensation you deserve.

🚫 The Problem: No Insurance, No Accountability?

Both Virginia and North Carolina require drivers to carry auto insurance, but that doesn’t mean everyone follows the law. And in Virginia, drivers even have the option to pay a fee to drive without insurance. That means you could be sharing the road with more uninsured drivers than you think.

✅ What You Can Do

1. File a Claim with Your Own Insurance

Most auto policies include Uninsured/Underinsured Motorist (UM/UIM) Coverage. This kicks in when the at-fault driver has no insurance—or not enough—to cover your damages. It can help pay for:

• Medical bills

• Lost wages

• Property damage

• Pain and suffering

Tip: Always notify your insurance company promptly after an accident, even if the other driver is at fault.

2. Consider a Personal Injury Lawsuit

In some cases, you may be able to sue the uninsured driver personally. However, if they don’t have insurance, they likely don’t have significant assets either—which makes recovery more difficult. An attorney can help you determine whether this is a viable option.

3. Consult a Personal Injury Attorney

Working with a legal team like Charles M. Aaron Attorneys at Law ensures your rights are protected, your paperwork is in order, and your claim is fully developed. We can help deal with the insurance company and fight for every dollar you’re owed—especially when the situation gets complicated.

🛑 Don’t Wait—Act Quickly

Insurance claims and legal action must be filed within strict time limits (known as the statute of limitations). Waiting too long could mean losing your right to compensation.

⚖️ Need Help After an Accident?

If you’ve been hit by an uninsured driver in Virginia or North Carolina, call Charles M. Aaron Attorneys at Law today for a consultation. We’ll help you understand your options and fight for the compensation you deserve—so you can focus on healing, not the legal stress.

📍 Offices in Martinsville, VA | 📞 (276) 638-3866 | 🌐 www.charlesaaronlaw.com