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What To Do if You’re Hit by an Uninsured Motorist | Fitch & Stahle

Robert Stahle • May 6, 2021
A car that has been damaged in an accident is parked on the side of the road.

Getting into a car accident is something that nobody wants to experience, and it is made even worse when you find out that the other driver does not have insurance. Even though a minimum amount of liability car insurance is legally required in Iowa and Nebraska, there are still a good amount of drivers behind the wheel who do not follow the law. The unfortunate truth is that you can be a driver who follows all the rules and still get into an accident with an uninsured driver who is at fault.

Here at Fitch & Stahle Law Office, our automobile accident attorney is here to assist if you get into an accident with an uninsured motorist. Here are the steps that you should take.

Steps to Take After the Accident

The first thing you should do after the car accident is to make sure that your car is in a safe place and assess the damage, both to you and your passengers and your vehicle. After this, try to talk to the driver who hit you, followed by:


  • Call the police: Regardless of whether the other driver has insurance, you should call the police after a car accident. However, if you’re dealing with an uninsured driver, calling the police is even more vital because the police report will help get your expenses covered.
  • Don’t accept money: Sometimes an uninsured driver will attempt to offer you money to avoid legal repercussions. Even if it seems like a good deal, don’t’ accept anything, because you have no idea what your injury costs or damages will come out to.
  • Swap information: Even if they do not have insurance information to give you, the other driver should still share their contact and vehicle information.
  • Take pictures: In addition to writing down details about the accident, you should take pictures of the scene. Doing so could help you in your legal case.
  • Contact your insurance company: Make sure you file a claim with your auto insurance company and let them know you were hit by an uninsured driver.

Retain a Qualified Attorney

After leaving the scene of the accident, your best route may be to contact a personal injury lawyer. Many victims of a car accident have substantial medical bills to worry about, especially if they suffered a brain injury or spinal cord damage. These injuries can prevent them from returning to work and earning their normal income.

In the case of an uninsured driver, you can file a personal injury lawsuit to obtain proper compensation for your injuries. In this case, it is advisable to work with a qualified and experienced Sioux City attorney who understands the court system and how to best get you the compensation that you deserve.

Sioux City Car Accident Attorney

Working out of Fitch & Stahle Law Office, attorneys Robert Stahle and Thomas Fitch have over 50 years of combined experience. If you have been in an automobile accident with an uninsured driver, contact our attorneys today at (402) 494-3012.

By Robert Stahle July 28, 2025
Including Dram Shop Liability
By Robert Stahle July 16, 2025
How a Sioux City Personal Injury Attorney Can Help You Seek Justice Each year, drunk driving crashes leave thousands injured or killed—causing devastating emotional, physical, and financial consequences. Despite strict DUI laws and public awareness campaigns, impaired drivers continue to pose a serious threat across Iowa, Nebraska, and the country. For victims, the aftermath of a drunk driving accident is more than just painful—it can be life-altering. At Fitch & Stahle Law Firm , we fight to hold negligent drivers (and sometimes even the businesses that served them) accountable under the law. If you’ve been hurt in a crash involving a drunk driver, we’ll explain your legal options, including how Nebraska’s Dram Shop law may play a role in your case. Why File a Drunk Driving Lawsuit? Driving under the influence of alcohol or drugs is not just illegal—it’s a reckless act that endangers everyone on the road. When a driver chooses to get behind the wheel impaired, they can (and should) be held civilly liable for the damage they cause. While a criminal DUI case focuses on punishing the offender, a civil personal injury lawsuit is about helping you rebuild. It allows you to pursue compensation for: Medical expenses (past and future) Lost wages and diminished earning capacity Pain and suffering Emotional trauma Property damage Rehabilitation costs Punitive damages (in cases of extreme recklessness) Nebraska’s Dram Shop Law: Holding Alcohol Providers Accountable Under Nebraska’s Dram Shop Law , victims of drunk driving accidents may also be able to file a lawsuit against the business or establishment that overserved the intoxicated driver. Here’s how it works: A licensed alcohol vendor (such as a bar, restaurant, or event venue) can be held liable if they served alcohol to a visibly intoxicated person or a minor , and that person later caused injury or death. Nebraska law limits these claims to commercial sellers of alcohol—not social hosts. A dram shop claim can help recover damages if the drunk driver lacks adequate insurance or personal assets. This area of law is complex, and not all attorneys are familiar with how to navigate the strict requirements and timelines involved in dram shop litigation. That’s why working with a firm like Fitch & Stahle , which handles cases in both Nebraska and Iowa , is crucial. What Needs to Be Proven in a Drunk Driving Case? To recover damages in a drunk driving lawsuit, your legal team must prove the following: Duty of care – The driver had a legal responsibility to drive safely. Breach of duty – That responsibility was violated by driving impaired. Causation – The impairment directly led to the accident and your injuries. Damages – You experienced real harm—such as medical costs, lost income, or emotional distress. In dram shop cases, your lawyer will also need to demonstrate that the bar or establishment served a visibly intoxicated individual who went on to cause the crash. Why You Need a DUI Injury Lawyer in Nebraska or Iowa Drunk driving cases are rarely straightforward—especially when multiple parties may share liability. Insurance companies will often try to minimize payouts, shift blame, or dispute your injuries altogether. At Fitch & Stahle Law Firm , we will: Preserve key evidence such as police reports, BAC results, surveillance video, and eyewitness accounts Analyze potential dram shop liability Work with medical and accident reconstruction experts to build your case Identify all available sources of compensation Aggressively negotiate with insurance companies—or take your case to trial if needed Our team has deep experience with Nebraska’s unique dram shop provisions and Iowa’s liability standards. We understand what it takes to hold all negligent parties accountable. What Damages Can You Recover? Depending on the specifics of your case, compensation may include: Economic damages : Medical bills, lost income, future treatment costs, property loss Non-economic damages : Pain, suffering, mental anguish, loss of companionship Punitive damages : Intended to punish especially reckless conduct—like drunk driving In cases where dram shop liability applies, these claims can be especially valuable when the at-fault driver is underinsured or has no assets. Time Is Critical – Act Now In Nebraska, the statute of limitations for personal injury and dram shop lawsuits is typically four years , but specific timelines may apply depending on the facts of your case. Evidence like surveillance footage and eyewitness memories can fade fast—so it’s essential to speak with an attorney right away. Get Help from a Sioux City Personal Injury Attorney Who Understands Nebraska Dram Shop Law If you or a loved one has been injured by a drunk driver—especially one who may have been overserved at a Nebraska bar or restaurant—you have the right to seek full and fair compensation. At Fitch & Stahle Law Firm , we’ve helped countless clients across Sioux City , Iowa , and Nebraska recover after devastating crashes. We’ll handle the legal details so you can focus on healing. Call us today for a free consultation — and let’s start fighting for the justice you deserve.