Car Accident Without Insurance
Even though it is the law in most states and provinces to have a minimum amount of liability insurance, there are many people on the road that cannot afford, or simply do not have insurance and have had an accident without insurance.
If you are involved in a car accident without insurance, if it is not your fault, the at-fault rules still apply. You will be still covered by the other motorist's liability coverage, for your injuries and damages. Being compensated for injuries that were caused by other motorists has nothing to do with whether or not you have a car accident without insurance. Of course the possibility of being charged with driving without insurance and forced to face the penalties associated with that charge in your state or province are very real.
If you, on the other hand, have insurance and someone else causes a car accident without insurance, this can be a real headache, unless you have uninsured motorist coverage. If you have un-insured motorist insurance, then your insurance company will cover you up to your limit that you set for uninsured motorist insurance if someone else causes a car accident without insurance. The insurance company would then sue the uninsured motorist to collect for their damages. If you do not have uninsured motorist insurance, it would be up to you alone to collect for damages. You would have to sue the uninsured motorists, and invest the time and money to do so. An important thing to remember is that even if you win the lawsuit, no payment is guaranteed. If someone has a car accident without insurance in the first place, how are they going to afford paying for your medical bills? This is the very reason that selecting un-insured motorist insurance is a wise choice.
Instead of taking the chance of having a car accident without insurance an affordable option is liability coverage. This insurance covers injuries to others, which result from accidents for which you are at fault. If you are found to be at fault for the accident, you are liable for all damages that you cause to others. These damages include both bodily injury and property damage, and could end up being several thousands of dollars! A car accident without insurance can be very damaging because the injured parties could sue you for pain and suffering, medical expenses and property damage. It is a much smarter idea to get liability coverage. A car accident without insurance can cost a person a fortune. In the long term, the small yearly premium for auto insurance will protect you from the large bills, or possible wage garnishments that may be applied if you are in a car accident without insurance. Un-insured motorist insurance is a wise addition to anyone's coverage to avoid the headache that can arise from an accident involving an uninsured motorist. Each auto insurance company and policy is different, so it is best to check with your company to see exactly what your policy covers. A car accident without insurance is also damaging to everyone in that insurance premiums rise due to companies having to pay for these losses. It is just a better idea all the way around to at the very least carry the minimum insurance required in your area.
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