Getting into a car accident no matter the circumstances is an unnerving experience, but when an uninsured motorist causes the accident, it increases the issues immensely.
The National Law Review explains that when an uninsured motorist is at fault for damages you sustain in an auto accident, it can make it tough to seek the compensation you deserve, but it is not impossible.
Use your insurance policy
If you have uninsured motorist coverage on your own auto insurance policy, then you can make a claim against it. This coverage will pay for medical expenses and damage to your vehicle. It should not affect your rates if you make a claim under this coverage since you were not at fault for the accident.
You may also be able to use your collision coverage if you have it. You can talk to your insurer to see if you can make a claim.
As for medical expenses, you can use your own health insurance.
File a court case
If you want to hold the other party responsible and not use your own insurance, then you can file a lawsuit. You should be aware, though, that you can only collect damages that the other party can pay. Lawsuits can be costly, so if the other party does not seem financially sound, there may be only a small chance that you can get any money from him or her.
You may be able to find additional parties who hold some liability in the accident. If you can do this, then you could take them to court, too. The main point to keep in mind is that you should be sure you can prove your claims.