What to Do If the Other Driver Has No Insurance in Pennsylvania

Car accidents are stressful enough, but finding out the at-fault driver has no insurance can make the situation even more overwhelming. Many people worry about how they'll pay for medical bills, lost wages, and vehicle damage. Fortunately, Pennsylvania law gives injured drivers options — especially through uninsured motorist (UM) coverage.

Here's what you need to know if you were hurt in a crash with an uninsured driver or hit-and-run driver anywhere in Wilkes-Barre or Luzerne County.

Can You Sue an Uninsured Driver in Pennsylvania?

While you can sue an uninsured driver, it is rarely practical. Most people who do not carry insurance also do not have money or assets to satisfy a judgment. Even if you win in court, collecting compensation can be difficult or impossible.

For most victims, the path to recovery comes through their own insurance coverage, not the at-fault driver.

What Is Uninsured Motorist (UM) Coverage?

Uninsured motorist coverage (UM) is optional insurance in Pennsylvania that protects you when the at-fault driver:

• Has no insurance, or
• Flees the scene in a hit-and-run crash

UM coverage can pay for:

• Medical expenses
• Lost wages
• Pain and suffering
• Other accident-related damages

Pennsylvania UM Requirements

• Insurance companies must offer UM coverage.
• Minimum limits are $15,000 per person / $30,000 per accident.
• It is not mandatory — but if you reject UM, you must sign a waiver.
• Because Pennsylvania has many uninsured or underinsured drivers, carrying UM coverage is one of the best ways to protect yourself and your family.

What About Hit-and-Run Accidents in Pennsylvania?

Hit-and-run crashes are common throughout Northeastern Pennsylvania, especially on busy roads like Route 309, the Cross Valley, and I-81. If the other driver speeds off, you may think you have no options — but UM coverage can step in.

If you're the victim of a hit-and-run:

1. Call the police immediately — a report is crucial for your claim.
2. Take photos and videos of the scene, damage, and injuries.
3. Get witness names and contact information.
4. Notify your insurance company right away.

UM coverage can pay your damages even if the other driver is never identified.

Why You Need a Pennsylvania Car Accident Lawyer

Uninsured motorist claims are handled differently than standard accident claims. You are still dealing with an insurance company — your own — and they may still:

• Delay your claim
• Dispute your injuries
• Try to pay less than you deserve

An experienced Pennsylvania car accident lawyer can:

• Review your policy to find all available coverage
• Handle all communication with the insurance company
• Fight for the maximum recovery under your UM policy
• File suit if the insurer refuses to pay fairly

You should not deal with an uninsured motorist claim alone — especially when significant injuries are involved.

Injured by an Uninsured or Hit-and-Run Driver in Luzerne County? Call Sklarosky Law.

If you were hit by an uninsured driver or injured in a hit-and-run accident in Wilkes-Barre, Plains Township, Kingston, Pittston, Hazleton, Nanticoke, or anywhere in Northeastern Pennsylvania, you still have strong legal options. At Sklarosky Law, we understand the complexities of UM claims and know how to fight insurance companies that try to minimize payouts.

Call (570) 283-1200 or use our online contact form to schedule a free consultation. We will protect your rights and pursue the full compensation you deserve.