{
  "@type": "Article",
  "author": {
    "name": "Law Office of Brett Peterson",
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  "headline": "What to Do When the At-Fault Driver Has No Insurance",
  "publisher": {
    "url": "brettpetersonlaw.com",
    "name": "Law Office of Brett Peterson",
    "@type": "Organization"
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      "name": "San Diego",
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      "name": "Imperial Beach",
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  "articleBody": "It's a frustrating and unfortunately common scenario: you're involved in an accident, and the other driver lacks insurance. This can feel like a dead end, but it doesn't mean you're out of options for recovery. Knowing what steps to take is crucial for protecting your rights and financial well-being. Firstly, just like any other accident, your immediate safety and the safety of your passengers are paramount. Once you've ensured everyone is okay, you still need to call the police to the scene. An official police report documenting the accident and the other driver's uninsured status is vital for any subsequent claims. Get the other driver's contact information, vehicle details, and if possible, a photo of their expired or non-existent insurance card. Also, gather witness contact information and take plenty of photos of the accident scene, vehicle damage, and any visible injuries.\n\nAfter addressing the immediate aftermath, your primary recourse will likely be through your own insurance policy, specifically your Uninsured Motorist (UM) coverage. This is exactly what UM coverage is designed for – to protect you when the at-fault driver can't. You'll need to report the accident to your insurance company promptly. However, dealing with your own insurer in a UM claim can still be challenging. They might try to minimize the payout or deny certain aspects of your claim. This is where an experienced uninsured motorist accident lawyer, like Brett Peterson in San Diego, can be incredibly helpful. He can review your policy, negotiate with your insurance company on your behalf, and fight to ensure you receive the full compensation you're entitled to for medical bills, lost wages, and other damages.",
  "datePublished": "2026-08-25"
}