Being involved in a car accident is stressful enough—discovering that the other driver is uninsured can make the situation even more overwhelming. In New York, where crashes are common on busy streets across Queens, Brooklyn, Manhattan, the Bronx, and Nassau County, uninsured motorist accidents happen more often than people realize. If you’re dealing with injuries, medical bills, or car damage caused by an uninsured driver, it’s important to know your rights and the steps you can take to protect yourself.

Take Immediate Action After the Accident

Right after a collision—whether it’s a Queens car accident, pedestrian knockdown, Uber or Lyft crash, or any other motor vehicle accident—your first priority is safety. Check yourself and others for injuries and call 911 to ensure the police create an official accident report. This documentation is crucial for insurance claims and any future legal action.

Next, gather as much evidence as possible. Take photos of the scene, vehicle damage, road conditions, debris, and visible injuries. Collect the other driver’s contact information if they remain at the scene. Even if the driver admits they have no insurance, having visual proof strengthens your claim.

Notify your insurance carrier right away. While many states use an at‑fault system, New York follows a no‑fault insurance model, meaning your own insurance provides initial coverage for medical bills through PIP (Personal Injury Protection). However, determining fault still matters when pursuing additional compensation beyond PIP.

How Your Insurance May Protect You

If the other driver is uninsured or underinsured, your own policy may still help. Many New Yorkers carry Uninsured Motorist (UM) or Underinsured Motorist (UIM) coverage. These protections often apply in:

• Car and truck accidents
• Pedestrian or cyclist accidents
• Uber/Lyft and rideshare crashes
• Hit‑and‑run accidents

Your UM/UIM coverage may pay for medical expenses, lost wages, and pain and suffering when the at‑fault driver has no insurance. Collision coverage may cover vehicle repairs regardless of who caused the crash. Reviewing your policy can help you understand which benefits apply to your situation.

Pursuing Legal Action Against an Uninsured Driver

In some cases, you may consider filing a lawsuit against the uninsured driver. A personal injury lawyer can evaluate whether the driver has assets that could satisfy a judgment. This step is more practical when the uninsured driver has income or property that could be used to pay compensation.

Working with an experienced Queens personal injury lawyer or New York car accident attorney can make a significant difference. An attorney can communicate with insurers, gather evidence, negotiate on your behalf, and protect your rights under New York law.

Handling Hit‑and‑Run Accidents

If the at‑fault driver flees the scene—a common issue in New York City—your Uninsured Motorist coverage typically applies. Filing a police report immediately is essential to preserve your right to pursue a UM claim. Your attorney can also help you file an MVAIC claim(Motor Vehicle Accident Indemnification Corporation) if there is no available insurance.

Why Legal Guidance Matters

Accidents involving uninsured drivers often create confusion, frustration, and financial uncertainty. A knowledgeable Queens car accident lawyer can help interpret your policy, handle communications with insurance companies, and explore all possible paths for compensation. Having a dedicated advocate on your side can help you avoid costly mistakes and prioritize your recovery.

Taking Control After the Unexpected

Being hit by an uninsured driver is stressful, but you’re not without options. Understanding your coverage, collecting strong evidence, and taking swift action can protect your claim. With the support of an experienced attorney, you can pursue the compensation you deserve and regain control after a difficult situation.

If you were injured in a crash with an uninsured or hit‑and‑run driver in Queens, Brooklyn, Manhattan, the Bronx, or Long Island, I’m here to help. As a Queens personal injury lawyer handling car accidents, pedestrian injuries, truck accidents, and rideshare collisions, I provide compassionate, hands‑on representation. You’ll work directly with me from start to finish.

Contact the Law Offices of Supriya Kichloo, P.C. for a free consultation today.