If you’re injured in an auto accident with a drunk driver who doesn’t have auto insurance, you may still have options available. For example, one option may be to seek coverage under your own insurance policy. If you have uninsured motorist (UM) coverage, now is the time to use it; and, if you have multiple vehicles in your household, you may be able to “stack” your coverage to seek additional car accident compensation.
Additonally, if you think the at fault driver has assets, you can always file a car accident lawsuit and sue them in court, since you can’t get a car accident settlement from their insurance company if they don’t have insurance. In addition to getting compensated for your injuries, lost income, and property damage (just like if you were collecting a car accident settlement), you can also sue for punitive damages. This is not an option in car accident settlements negotiated directly through insurance, and are often attached to drunk driving car accident cases. Punitive damages in a car accident lawsuit are additional monetary penalties levied on the at fualt driver as a way to both punish illegal and/or reckless driving behavior (such as driving drunk) and as a deterrent to scare other people from repeating that behavior in the future.