Finding out the driver who hit you doesn’t have insurance can feel like a nightmare. With medical bills, car repairs, and lost wages piling up, you may wonder: “Am I just stuck paying for everything myself?” The good news is — you still have options.

After a car accident, one of the first things on your mind (after making sure everyone is safe) is insurance. But the big question many people ask is: “Who do I call first — my insurance company or the other driver’s?” It may seem like a small detail, but the choice can affect your claim, your coverage, and even your financial recovery. Here’s what you need to know before you pick up the phone.