What Happens if I Am Involved in a Car Accident with an Uninsured Driver in New Jersey?


New Jersey law requires that drivers obtain automobile insurance. But even though serious fines and penalties are possible when driving without insurance, it nevertheless happens every day. If you are involved in a collision caused by an uninsured driver, there is a larger problem that arises besides the immediate problem of the accident. This larger problem is that the uninsured driver will not have the means to fairly and equitably compensate you for your injuries. This comes with a particularly serious financial hardship if your injuries are severe or permanent, along with if they prevent your ability to work. So, if you find yourself stuck in this unfortunate situation and are unsure of where to turn, continue reading to discover how a seasoned Morris County car accident attorney at Lutz Injury Law can serve as your advocate and fight for the recovery you rightfully deserve.

What are the consequences of being hit by an uninsured driver in the state of New Jersey?

It is important to note that while the state of New Jersey requires all drivers to carry auto insurance that includes both liability and personal injury protection coverages, it does not necessarily require drivers to purchase uninsured or underinsured motorist coverage. However, it is strongly recommended that you do if you are involved in a collision with one, as you will not be able to sue their insurance company. This is because if you purchase this uninsured motorist insurance, you will be able to file a claim against your own insurance company to recover the compensation that you need.

What steps should I take if I am involved in a car accident with an uninsured driver?

If you were involved in a collision with an uninsured driver that was due to no fault of your own, you may have a personal injury claim on your hands. To satisfy the burden of proof for your claim and provide your insurance company with enough evidence to collect your compensation, it is in your best interest to follow the below steps immediately after your accident:

  1. Call 911: the law enforcement officer will dispatch an ambulance on your behalf. They will also conduct a police report, which you should obtain a copy of later on.
  2. Take photos and videos: this should include any injuries, damages, and hazards that contributed to the accident.
  3. Collect the uninsured driver’s information: this should include their name, phone number, driver’s license number, etc.
  4. Correspond with witnesses: ask witnesses for their information and any photos and videos they took.
  5. Employ a knowledgeable Morris County automobile accidents attorney: our team will work to recover your damages on your behalf.


If you have been the victim of the negligence of another in an accident, please contact a qualified New Jersey personal injury attorney at Lutz Injury Law as quickly as possible following the subject accident.

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