What Happens if the At-Fault Driver Isn’t Insured?

You did everything right—you followed the rules of the road, carried the right insurance, and drove responsibly. But when an uninsured driver crashes into you, suddenly, you are the one left dealing with the financial and emotional fallout. That’s not fair. 

At Natasha Misra Law, we fight to make sure you don’t pay the price for someone else’s negligence. If you’ve been hit by an uninsured driver in Fond du Lac, Appleton, Green Bay, or anywhere else in Wisconsin, you still have options—and we’re here to help.

What Happens When an At-Fault Driver Has No Insurance?

Wisconsin law requires drivers to carry liability insurance, but not everyone follows the rules. If an uninsured driver causes an accident, you may worry about who will pay for your medical bills, car repairs, and lost wages. The good news is that you still have options to recover compensation.

• Uninsured motorist (UM) coverage – This is included in every Wisconsin auto policy and helps cover your medical expenses, lost wages, and pain and suffering when the other driver is uninsured.
• Collision coverage – If you have this optional coverage, your insurance can pay for repairs or replacement of your vehicle.
• Legal action against the at-fault driver – While many uninsured drivers lack assets, an experienced attorney can explore whether pursuing a lawsuit is a viable option.

Insurance companies will try to minimize what they owe you, even under your own policy. That’s why having an experienced Milwaukee car accident lawyer on your side is crucial.

Steps to Take After an Accident With an Uninsured Driver

If you’ve been hit by an uninsured driver, taking the right steps can protect your claim and improve your chances of full compensation:

• Call the police – A police report will document the accident and confirm that the other driver lacks insurance.
• Get medical attention – As soon as there is the onset of injury, it is important to get checked out for your injuries.  
• Gather evidence – Take photos, collect witness statements, and document your injuries.
• Notify your insurance company – You should notify your insurance company of an accident, but it is best to do so only after consulting an attorney.  
• Consult a car accident lawyer – Insurance companies do not have your best interests in mind. A skilled car wreck lawyer will fight to get you the compensation you deserve.

What Compensation Can You Recover After a Car Accident?

Even if the at-fault driver is uninsured, you can still pursue compensation for:

• Medical expenses – Emergency care, surgeries, physical therapy, and ongoing treatments
• Lost wages – If your injuries prevent you from working
• Pain and suffering – Compensation for physical pain, emotional distress, and reduced quality of life
• Vehicle repairs or replacement – Through your own collision coverage or legal action against the driver

Every car accident case is different, but at Natasha Misra Law, we work to maximize every dollar of compensation available under Wisconsin law.

How a Milwaukee Car Accident Lawyer Can Help

Handling an uninsured driver accident alone can be overwhelming. Insurance companies may pressure you into settling for less than you deserve. Natasha Misra Law fights for accident victims across Milwaukee, Green Bay, Appleton, and beyond.

• We help make sure you receive full compensation under your uninsured motorist policy
• We fight back against insurance companies that try to minimize your claim
• We offer personalized legal representation so you know your rights and options
• We work with translation services to serve clients in Spanish, Burmese, Rohingya, and more to ensure everyone gets the legal support they need

Injured by an Uninsured Driver? Get an Accident Attorney Who’s Not Just Another Suit

An uninsured driver’s mistake shouldn’t leave you struggling financially. If you’ve been hurt in a car accident, we’re ready to fight for you. Contact Natasha Misra Law for a free consultation. You don’t pay unless we win.