What happens if you are in a car accident and the other driver doesn’t have insurance?

Published: January 23, 2018 | Last Reviewed: August 19, 2026

You have just been in a car accident. You are stunned, you’re a little dazed and you look around to get your bearings and as you do so, you watch the driver that caused the accident flee the scene – don’t worry – you have options.

You also have options if the person stays at the scene, but for some reason, it turns out they don’t have insurance.
Obviously, you still want to collect as much information on the other driver as you can. Collect witness statements and as much detail about the accident as possible.

In Nova Scotia, if you have a valid policy of insurance it carries with it protection for you when an accident and damages are caused by another person who doesn’t have insurance or doesn’t have enough insurance to cover your damages.

This means if the other driver has the minimum insurance of $500,000.00 and you have a policy of 1 million, then you can tap into the overage of your policy if the damages dictate a need for same.

Or if the driver doesn’t have any insurance or they flee the scene, you still have coverage under your policy up to the limits of your policy.

Claims under this section of your policy are known as Section D claims. These involve uninsured vehicles or underinsured or unidentified vehicles.

There are steps you must take in order to ensure you have access to this coverage and it is important to know your rights –please call Preszler Injury Lawyers at 1-800-JUSTICE for a free consultation.

We’re here to help.