Strategy
An Uninsured Driver Hit Me — What Now?
• 2 min read
If the at-fault driver has no insurance, your own UM coverage steps in. Funding bridges the wait.
Approximately 1 in 8 drivers nationwide drives uninsured. When one of them hits you, your own uninsured motorist (UM) coverage becomes your sole avenue of recovery.
Filing a UM claim is technically against your own insurance company. Despite paying premiums for the coverage, you'll often face the same delays and lowball offers as a third-party claim.
Talk to a personal injury attorney immediately. UM claims have shorter notice periods and procedural requirements in some states.
AARC funds qualifying UM claims based on case strength and policy limits. No credit check, no monthly payments.
Funding lets you wait out the UM negotiation rather than accept a lowball offer just to get cash.
Call (800) 297-3834 or apply online for a same-day decision.
Frequently asked questions
- Should I wait for my settlement instead?
- If you can comfortably cover your bills, waiting is often the cheaper option. Funding exists for claimants who would otherwise be pressured into accepting a low early offer.
- Is a pre-settlement cash advance a loan?
- No. It is non-recourse funding tied to your personal injury claim. There are no monthly payments, and if your case does not recover, you owe nothing.
- Do I need good credit or a job to qualify?
- No. AARC does not run a credit check and does not require employment or income verification. Approval is based on the strength of your claim and your attorney's representation.
- How fast can I get funded?
- Most approved applicants receive funds in as little as 24 hours once AARC has the case documents from your attorney.
- How much does it cost?
- AARC uses a flat fee rather than compounding monthly interest. Typical advances are $500, $750, or $1,000, and the illustrative payoff at settlement is 2x the advance amount.
About the author
Written by the funding team at AARC — Accident Advance & Resource Center. AARC underwrites pre-settlement cash advances for personal injury claimants and works directly with plaintiff attorneys across 45 states. Our team reviews case documentation daily and writes from that firsthand experience.
This article is general information, not legal or financial advice. Always confirm details with your attorney. Contact AARC or call (800) 297-3834 with questions about your specific case.
