Know your rights ·

The driver left or has no insurance

General information for New Jersey, New York and Washington, DC · Last updated

Quick answer

Report appropriately and investigate uninsured-motorist or other available coverage promptly.

Do now

Record any plate, description, witnesses, camera locations, and police report information. Notify your insurer and ask about required notices and proofs. Seek advice before concluding there is no possible source of recovery.

Watch for

Policies and statutory programs can impose special conditions and deadlines. Do not delay reporting while trying to identify the driver yourself, and do not confront a suspected driver.

Official sources

NJDOBI — Auto Insurance Consumer Information, NY DFS — No-Fault FAQs, DC DISB — Consumer Auto Insurance Guide.

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