Getting into a car accident is stressful enough, but the situation becomes even more complicated when the other driver doesn’t have insurance. If you’ve been involved in a collision with an uninsured motorist in Fresno, knowing the right steps to take can protect your rights and help you recover compensation. In this guide, we’ll walk you through what to do after an accident with an uninsured driver and why consulting a Fresno car accident lawyer from Bojat Law Group can make all the difference.
1. Stay Calm and Check for Injuries
Your safety is the top priority. Immediately after the accident:
- Check yourself and passengers for injuries.
- Call 911 if anyone needs medical attention.
- Move to a safe location if possible to avoid further hazards.
Even if the other driver is uninsured, never confront them aggressively. Stay calm and gather information.
2. Call the Police to File a Report
A police report is crucial—especially when dealing with an uninsured driver. The officer will document:
- The accident scene
- Statements from both drivers and witnesses
- Any traffic violations or signs of impairment
This report strengthens your claim when seeking compensation through other avenues.
3. Gather Evidence at the Scene
Since the at-fault driver lacks insurance, you’ll need strong evidence to support your claim. Take the following steps:
- Take photos/videos of vehicle damage, road conditions, and injuries.
- Get witness contact information in case their statements are needed later.
- Exchange details with the other driver (name, contact info, license plate number).
4. Notify Your Insurance Company
Even if the other driver is uninsured, you should report the accident to your insurer as soon as possible. California requires all drivers to carry uninsured/underinsured motorist (UM/UIM) coverage, which can help cover:
- Medical expenses
- Lost wages
- Vehicle repairs
Your insurer will investigate the claim, but be cautious—insurance companies often try to minimize payouts.
5. Seek Medical Attention Immediately
Some injuries, like whiplash or internal trauma, may not show symptoms right away. Seeing a doctor:
- Creates a medical record linking injuries to the accident
- Strengthens your claim for compensation
- Ensures you get proper treatment
Delaying medical care could hurt both your health and your case.
6. Explore Legal Options for Compensation
If the uninsured driver is at fault, you may still recover damages through:
- Your UM/UIM coverage (if you have it)
- A lawsuit against the at-fault driver (if they have assets)
- Other liable parties (e.g., employers if the driver was working)
An experienced Fresno car accident lawyer can help identify all possible sources of compensation.
7. Avoid Accepting a Low Settlement
Insurance companies may pressure you into accepting a quick, lowball offer. Before signing anything:
- Consult a lawyer to evaluate the full value of your claim
- Ensure future medical costs and lost earnings are considered
- Negotiate for fair compensation
8. Consider Legal Action Against the Uninsured Driver
If the at-fault driver has assets (property, savings, etc.), a lawsuit may force them to pay for damages. A skilled attorney can:
- Investigate their financial situation
- File a lawsuit before the statute of limitations expires (2 years in California)
- Pursue wage garnishment or liens if necessary
9. Prevent Future Risks with Proper Coverage
To protect yourself from uninsured drivers in the future:
- Increase your UM/UIM coverage limits
- Consider collision coverage for vehicle repairs
- Review your policy annually with an agent
10. Consult a Fresno Car Accident Lawyer
Dealing with an uninsured driver adds complexity to your case, but you don’t have to handle it alone. The Bojat Law Group specializes in helping accident victims navigate insurance hurdles and secure maximum compensation.
Call Us Today for a Free Consultation!
If you’ve been hit by an uninsured driver in Fresno, don’t wait—contact Bojat Law Group at (818) 877-4878 for expert legal guidance. Our Fresno car accident lawyer team fights for your rights so you can focus on recovery.
Fakhar Nazir 
Awais Shamsi