If you were involved in a car accident with an uninsured driver, call a car accident lawyer at Munley Law for a free, no-obligation consultation. Drivers who get into a car accident without insurance in New York may face penalties, such as having to pay fines or facing driver's license suspension.If you are driving in NY and are involved in a crash you must file an MV-104 (Motorist report) if any of the following occurred. If you're in an accident with an uninsured driver, be sure to get all of his or her contact information. Use the Crash Report site to get a crash report online(opens in a new tab). We've laid out how to handle accidents with uninsured drivers and the best practices for filing an insurance claim. The Insurance Department administers the laws of the commonwealth as they pertain to the regulation of the insurance industry. If you have uninsured motorist (UM) coverage as part of your auto insurance policy, you can still seek compensation for your damages. Be prepared to provide the details of the accident, including the date, time, and location, as well as any other relevant information.