What will happen to an uninsured motorist after a multi-car accident?

"I was in a multiple-vehicle accident and an uninsured, unlicensed driver was at fault. Everyone besides the at-fault driver had insurance.

What's going to happen to the uninsured driver? Are they going to be penalized? I don't think it's fair that they can cause all this damage and not have to pay for any of it."

Answer
“When you’re in an accident with an uninsured driver and have uninsured motorist coverage, your insurance will cover your costs from the accident.
Once the company pays you for the accident, they will seek to be reimbursed from the uninsured driver. This means that they will try to collect the amount directly or through a lawsuit. How the insurance company pursues an uninsured driver can vary by state.
Every state requires drivers to have a minimum amount of insurance, apart from Virginia and New Hampshire, so unless you live in one of these two states, driving without coverage is against the law. The uninsured driver will most likely face fines, tickets, and possibly jail time.
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Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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