Yunus Muhammad PC

Hit by an Uninsured Motorist? How to Claim Your Personal Injury Settlement

When an uninsured motorist turns your world upside down, knowing how to claim your personal injury settlement is crucial. 


This guide provides you with the know-how to navigate these tricky waters with confidence.

Imagine this: you’re driving home from work, minding your own business, when suddenly – bam! – you’re rear-ended. As if the shock of the accident isn’t enough, you find out the other driver doesn’t have insurance. What now?

Dealing with an uninsured motorist can feel like a double whammy. But don’t worry, you’re not alone. This post is all about guiding you through the steps to claim your personal injury settlement, ensuring you’re not left in the lurch.

I Was Hit By An Uninsured Driver, What Should I Do?

Step 1: Safety and Documentation

First things first, ensure everyone’s safety. If there are any injuries, call 911 immediately. Once you’ve ensured everyone’s safety, it’s time to document everything. Snap photos of the accident scene, the vehicles involved, and any visible injuries. Gather names and contact details of witnesses. This information is like gold for your claim. If you aren’t thorough, you run the risk of significantly harming your claim! 

Step 2: Report the Accident

Next up, report the accident to the police. A police report plays a crucial role in your claim, especially when dealing with an uninsured driver. It’s also a good idea to inform your insurance company about the accident. Keep them in the loop, but tread carefully – insurance companies can be tricky.

Step 3: Understanding Uninsured Motorist Coverage

Time to dive into your insurance details. Check if you have UM (Uninsured Motorist) or UIM (Under-Insured Motorist) coverage. These are your lifelines in such accidents. UM coverage helps when the at-fault driver has no insurance or if you’re involved in a hit-and-run, and UIM coverage fills in the gaps when the at-fault driver’s insurance policy isn’t enough. It’s crucial to know what your policy covers, as it can significantly affect your claim’s outcome.

Step 4: Seeking Legal Advice

Now, let’s talk about getting some legal muscle on your side. Consulting with a personal injury attorney can make a world of difference. They can help navigate the complexities of your claim, negotiate with insurance companies, and if necessary, take legal action. Remember, knowledge is power, and in this case, legal knowledge is your superhero. Make sure to do your research online and find an attorney who you feel comfortable with. The first attorney you reach out to doesn’t have to be who you hire!

Step 5: Filing the Claim

Armed with all your documentation and legal support, it’s time to file your claim. This involves submitting all your evidence, medical records, and any other relevant information. Patience is key here – these claims can take time to process. If you’ve hired an attorney, they will guide you through this process to ensure you’re able to get paid what you deserve!

Step 6: Negotiating the Settlement

Here’s where things can get dicey. Negotiating a settlement often involves back-and-forth with insurance companies. Your attorney will be invaluable here, fighting for a fair settlement. Don’t settle for less – you deserve compensation for what you’ve been through. Sometimes, your insurance company may not offer you a fair settlement. Talk to your attorney about filing a lawsuit to force the insurance company’s hand. Sometimes, all it takes is the threat of a lawsuit for them to make a fair settlement offer.


Dealing with an uninsured motorist can be a stressful experience, but with the right steps and legal guidance, you can navigate this challenge successfully. Remember, it’s about protecting your rights and getting the compensation you’re entitled to. Take a deep breath, you’ve got this.

Looking for a Personal Injury Lawyer?


At Yunus Muhammad PC we’re not just your attorneys; we’re your allies in the fight for justice and compensation. If you’ve been injured due to someone else’s actions, let us help you navigate the legal process and secure the compensation you deserve. To find out how we can help you, contact us today. Call us at (503) 777-1737 for a no-obligation  consultation with our legal team.


    1. What if the uninsured motorist offers to pay out of pocket? It’s tempting, but be cautious. Consult with your attorney before agreeing to any out-of-pocket settlements.
    2. Can I sue the uninsured motorist? Yes, however, it’s often a last resort (but sometimes your best option). Your attorney can advise on the feasibility and potential outcomes of a lawsuit.
    3. How long do I have to file a claim? This varies by state, but generally, you have a limited time after the accident to file a claim. This time limit is known as the “statute of limitations” or S.O.L. for short. Check your state’s statutes and ask an attorney.



This post is not legal advice but for informational purposes only; consult with a qualified attorney for advice about your situation. A signed contract is required to become a client of the firm.

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