When it comes to who is responsible, accidents with drivers who don’t have licenses are the same as other accidents. If you were the one who caused the accident, you have to pay for any damages like fixing the car or paying medical bills. On the other hand, if the accident was caused by the unlicensed driver, he or she will have to pay for the damages.
When a driver doesn’t have a license, though, insurance is often the bigger problem. Most drivers who don’t have a valid license aren’t insured, which makes it harder to figure out who is at fault. car accident lawyers can help in assisting the case
How should you pay for the damages?
Usually, an insurance company won’t cover a driver who doesn’t have a license or whose license has been suspended. So, if the unlicensed driver causes your car accident, he or she will have to pay for repairs and medical bills out of their own money.
Because most drivers, especially young ones, don’t have enough money to pay for all the costs that come with a car accident, it can be hard to get compensation.
In some states, an unlicensed driver who is driving someone else’s car is not responsible for paying for damage they cause. For example, if a family member or friend lends their car to a driver who doesn’t have a license, the family member or friend is held responsible for any accident and must pay for any damages.
As you can see, getting money from a driver who doesn’t have a license can be a confusing and hard process that may require the help of a car accident lawyer.
Do I have a reason to sue a driver who doesn’t have a license?
You don’t have a reason to sue someone just because they are driving without a valid license. In court, you have to show that someone was at fault, and driving without a license is not inherently wrong. Obviously, negligence is best judged on a case-by-case basis, so talk to a car accident lawyer to learn more about your rights.
What should you do if you’re in an accident with a driver who doesn’t have a license?
An auto accident can be a traumatic experience, which can make it hard to know what to do right away. Geneally, it is advised for people to do the following:
- Check for injuries and call 911 if you think someone is hurt. If someone seems to have hurt their head, neck, or back, don’t try to move them unless their life is in immediate danger.
- If you can, move your car to the side of the road or where it won’t get in the way of other cars.
- Give the other driver your name, phone number, and insurance information, as well as theirs.
- Call the police and ask for someone to come take a report of the accident. You will be able to look at the information in the police report in the future.
- Take pictures of the accident scene, including the damage to all vehicles, skid marks, debris, and road debris. Make sure your pictures show what time of day it is and if the weather or road conditions are bad.
- Get medical help as soon as possible at the emergency room or by making an appointment with your regular doctor. Tell them you were in an accident and need to be checked out for possible injuries.
- Talk to an attorney about your options for getting paid for the damage you’ve done.
Who will pay for any damages?
A driver who doesn’t have a license doesn’t always drive without insurance. The owner of a car who doesn’t have a license should still get car insurance and list the licensed person who will be driving it as the main driver. The owner of a car whose license has been suspended or taken away will probably still have auto insurance on the car.
If you get into an accident with a driver who doesn’t have a license and doesn’t have insurance, your own insurance company may be your best bet for getting paid. State law in Illinois says that all drivers must have uninsured motorist coverage of at least $25,000 per person and $50,000 per accident
You can also choose to buy higher limits of uninsured motorist coverage, which also pays out if an underinsured driver hurts you. Underinsured coverage may be needed if you were hurt by a driver who had less insurance than the state minimum or if the cost of your injuries and other damages was more than their insurance policy could cover.
If an unlicensed driver hits you and is either not insured or doesn’t have enough car insurance to cover all of your damages, you will need to file a personal injury claim with your own insurance company. Just because they are your insurance company does not mean they are on your side. Insurance companies will always put their bottom lines ahead of settlements, so if you think your settlement offer is too low, don’t be afraid to consult a personal injury lawyer.
Are personal injury cases harder when an accident is caused by a driver without a license?
Even if the driver who hurt you didn’t have a license, that doesn’t mean you can’t file a personal injury claim. Most of the time, the hardest part is figuring out if that person had insurance, if it was enough to cover your damages, and what to do if they didn’t have insurance.
Accidents with drivers who don’t have licenses are the same as other accidents in terms of who is to blame. If you were the one who caused the accident, you have to pay for any damages like fixing the car or paying the medical bills. On the other hand, if the driver without a license caused the accident, he or she will have to pay for the damages. But insurance is usually a bigger problem for drivers who don’t have licenses. Most drivers who don’t have a valid license aren’t insured, which makes it harder to figure out who is at fault.