What to Do If You’re Hit by an Uninsured Driver in Canada

The Importance of Liability Coverage in Your Car Insurance Policy
April 11, 2023
How to Insure a Classic Car in Canada
April 21, 2023
Show all

Car accidents are already stressful situations, but they become even more complicated when the other driver is uninsured. In Canada, it is illegal to drive without car insurance, but unfortunately, some people still take the risk. If you find yourself in a car accident with an uninsured driver, it can be overwhelming and frustrating to figure out what to do next. However, there are steps you can take to protect yourself and your car, even if the other driver does not have insurance.

What to Do If You’re Hit by an Uninsured Driver in Canada:

  1. Call the Police: Regardless of whether or not the other driver has insurance, it’s important to call the police and report the accident. The police will document the accident, which can be helpful when you file a claim with your own insurance company. The police will also issue a ticket to the uninsured driver, which can help you prove their fault in the accident.
  2. Collect Information: Even if the other driver does not have insurance, you should still exchange information with them. Get their name, phone number, license plate number, and driver’s license number. You should also take photos of the damage to both cars and the accident scene.
  3. Contact Your Insurance Company: Contact your insurance company as soon as possible after the accident. Even if the other driver does not have insurance, your insurance may cover your damages through your uninsured motorist coverage. Your insurance company can also help you understand your options and what steps to take next.
  4. Consider Legal Action: If the other driver is at fault and does not have insurance, you may need to consider legal action to recover damages. This may involve filing a lawsuit or hiring a lawyer to help you negotiate a settlement.
  5. Protect Yourself: Make sure you protect yourself after the accident. Seek medical attention if you are injured and keep all documentation related to your medical bills and car repairs. You should also keep a record of any conversations you have with the other driver, their insurance company, or your own insurance company.


Getting hit by an uninsured driver is a frustrating experience, but there are steps you can take to protect yourself and your car. Remember to call the police, collect information, contact your insurance company, consider legal action, and protect yourself by keeping documentation. By following these steps, you can navigate the aftermath of the accident and get the help you need to recover from the damages.

Have you been classed in Auto insurance as a high-risk driver in Ontario? Visit the High Risk Auto Pros online and get an instant car insurance quote.

Are you a Business Owner? Perhaps you’re a business owner looking for commercial insurancePublic LiabilityCommercial Vehicle Insurance… Get the right Business insurance for your company. Request a quote today from the Commercial Insurance Pros.