As it happens, the reason this person was not insured is probably because he or she did not have the money to pay their insurance premiums. If so, it is probably a waste of money to sue the driver because they would not have the money pay any judgment you are going to get from such an action. Assuming you do have uninsured motorist coverage on your car under your policy, the best way to deal with this is to submit the claim to your carrier along with a copy of the police report that should relate that this person had no insurance which probably resulted in that driver being cited. The only other question you need to look at is whether your UM coverage will cover the damage to your vehicle. If there is a question as to whether the coverage is enough to pay for all of the damage, you should get more than one damage estimate from different body shops to make sure the carrier is getting the right numbers.
Answered on Apr 06th, 2015 at 6:16 PM