What Happens if the Other Driver Doesn’t Have Car Insurance?
Car accidents are no fun no matter what the circumstances are. But when you are involved in a crash, one of the worse things you can discover is that the other driver doesn’t have insurance. No matter who was at fault for the accident, an accident involving an uninsured motorist can be devastating. There are still some things you can do to protect yourself before and after a crash to protect yourself.
What is uninsured motorist insurance?
Uninsured motorist insurance is something you can add to your existing car insurance policy that protects you from instances like this. If you are involved in a crash with an uninsured motorist, your insurance company will still cover damaged on your vehicle and medical bills resulting from the accident. It is an important safeguard that you should invest in in the case that you are placed in this unfortunate situation.
How do I get uninsured motorist insurance?
Talk to your insurance broker or representative about adding uninsured motorist insurance to your policy. It’s an easy step that will save you possibly thousands of dollars down the line.
How much is uninsured motorist insurance?
Adding uninsured motorist insurance to your policy may depend on what your current coverage is. Talking to your agent will give you a better idea, but coverage can go anywhere from $15,000 to $1,000,000. However, this is an expense that is highly recommended by experienced personal injury attorneys who have handled many cases where at least one driver is an uninsured motorist. It is important to protect yourself and anyone who may be in the vehicle with you.
What do I do if I’m involved in a crash with an uninsured motorist?
Whenever you are involved in a car accident, it is always best to contact a personal injury attorney, especially if you were injured. They can give you legal guidance on what to do next if you have a case, and best protect you legally so the other party doesn’t take advantage of you.
If you have uninsured motorist insurance on your policy, then your insurance company will still cover the damages resulting from the accident. If you do not have that type of coverage, you should still talk to your insurance company to see what they can do for you. Sometimes you will still be covered, especially if you were not at fault for the accident.
Uninsured motorist insurance is an extremely important coverage you should add to your policy to protect you in the event that you are involved in an accident. Protect yourself and those you love by investing in your coverage.