Feb 05 2026 16:00

What to Do After an Accident with an Uninsured Driver in Minnesota

Being involved in a car accident is stressful under any circumstances, but the situation becomes even more complicated when the at‑fault driver does not have insurance. Unfortunately, despite legal requirements, many drivers still operate their vehicles without proper coverage. If you’re injured in a crash with an uninsured motorist in Minnesota, recovering money for medical bills, vehicle repairs, and lost income can feel overwhelming. The good news: there are several legal and insurance options available to help protect your rights.

Immediate Steps to Take After the Accident

If you’re hit by an uninsured driver, the steps you take right away can significantly affect your case. Begin by checking yourself and others for injuries. If anyone is hurt—or if the crash caused major damage—call 911 immediately.

Even if the accident seems minor, always contact law enforcement. A police report is crucial evidence for your insurance claim and for any potential legal action.

While waiting for officers to arrive, gather as much information as possible:

  • The other driver’s name and contact information, if they provide it
  • Their vehicle’s make, model, and license plate number
  • Photos of the scene, vehicle damage, and road conditions
  • Names of any witnesses

If the driver refuses to share information or flees the scene, note whatever details you can. Once things are stable, contact your insurance company right away to report the accident.

Minnesota is an “at‑fault” system with important no‑fault components, meaning your options—and which insurance applies—depend on who caused the crash. When the at‑fault driver is uninsured, your recovery path looks different than in a typical accident.

How Your Insurance Coverage Can Help

Your own auto insurance may provide protection after an accident with an uninsured motorist. Many Minnesota drivers carry uninsured motorist (UM) or underinsured motorist (UIM) coverage. These protections help pay for medical expenses, lost wages, and sometimes vehicle damage when the driver who caused the crash has little or no insurance.

Other optional coverages can also help:

  • Collision coverage – Pays for repairs to your vehicle regardless of who caused the accident.
  • Personal Injury Protection (PIP) – Covers medical expenses and a portion of lost wages, no matter who is at fault.

If you do not have UM, UIM, or collision coverage, recovering compensation through insurance alone can be challenging—one reason many drivers choose to add these protections.

Considering Legal Action Against the Uninsured Driver

You may also have the option to file a lawsuit against the uninsured driver. A legal claim could help you recover compensation for medical care, property damage, pain and suffering, and more. However, this path is not always practical. Many uninsured motorists lack the financial resources to pay a settlement or judgment, even if you win the case.

Before moving forward, it’s wise to speak with an experienced auto accident lawyer in Minneapolis. An attorney can evaluate the situation, determine whether the other driver has assets worth pursuing, and help you document your injuries and damages.

What to Do After a Hit‑and‑Run Crash

A hit‑and‑run accident is treated similarly to a crash with an uninsured driver because the at‑fault individual cannot be identified. In most cases, your uninsured motorist coverage will apply.

To protect your claim:

  • File a police report immediately
  • Gather photos, witness information, and any available surveillance footage
  • Notify your insurance company quickly

Providing detailed evidence helps support your claim and increases the likelihood of a smoother process with your insurer.

Why Speaking with an Attorney Can Help

Navigating the aftermath of an accident involving an uninsured motorist can be confusing and frustrating. A knowledgeable personal injury attorney in Minnesota can help you:

  • Review your auto insurance policy and available coverages
  • Communicate with insurance adjusters
  • Pursue compensation through uninsured motorist claims or legal action
  • Protect your rights and avoid missed deadlines

At Nepp & Hackert LLC, our car accident and personal injury attorneys in Minneapolis understand the challenges these cases present. We guide clients through every step—ensuring you know your options and receive the support you need.

Final Thoughts

Accidents involving uninsured drivers are more common than people realize, but you don’t have to navigate the fallout alone. By taking quick action, documenting evidence, understanding your insurance rights, and seeking legal guidance when necessary, you can put yourself in the best position to recover both physically and financially.

If you’ve been injured by an uninsured or hit‑and‑run driver, contact Nepp & Hackert LLC today. Our experienced Minnesota personal injury attorneys are here to help you move forward with confidence.

Understanding Your Options

Experiencing a personal injury can be overwhelming and confusing, especially when compounded by the legal decisions that follow. Many individuals find themselves unsure about whether to settle their case or take it to court. Understanding these options is crucial to ensuring you receive the best possible outcome. This post explores the key differences between settling a case and going to trial, helping you make an informed decision.

Settling a Case

A settlement involves reaching an agreement with the responsible party or their insurance company outside of court. Settlements are often preferred due to their many benefits. They typically offer a speedy resolution, allowing victims to receive compensation much quicker than they would in a prolonged court battle. The costs associated with legal expenses are usually lower as well, and since settlements are not part of public records, they offer privacy benefits. However, settling can also mean accepting a lower compensation compared to what might be awarded in court. Additionally, once a settlement is agreed upon, you generally cannot pursue further claims related to that incident.

Going to Court

Taking a personal injury case to court involves a trial where a judge or jury determines the outcome. One potential advantage of pursuing a trial is the prospect of receiving a higher compensation, particularly for severe injuries where damages can be significant. Furthermore, a court ruling can publicly acknowledge the wrongdoing of the responsible party, which might be important for some individuals. On the downside, court cases can be lengthy and costly, with the risk of receiving an unfavorable outcome always present.

Choosing the Right Path

Deciding between settling and going to court is a critical choice that can significantly impact your compensation and recovery process. Each path has its own set of challenges and benefits. Making a well-informed decision is crucial to achieving the best possible outcome for your situation. For personalized guidance tailored to your specific circumstances, consult with a personal injury attorney who can help navigate these complex legal waters.