What Happens When You Get Hit by an Uninsured Driver?
The Reality of Uninsured Drivers
It is estimated that approximately 13% of cars that speed past you on the highway are driven by uninsured drivers. This translates into approximately 32 million people crossing their fingers and hoping they don’t have an accident. But what happens when one of those drivers smashes your car or rear-ends you in a parking lot?
After the Car Accident
As long as no one is injured, drivers typically switch insurance information following a car accident. However, you may find it difficult to do this if the other driver is uninsured. They may lie about their coverage or refuse to talk to you.
In either case, you should always call the police after a car accident, no matter how minor. First, your insurance company will want a police report to process your claim. But just as importantly, law enforcement can quickly determine who is at fault and determine who has insurance.
“Hey, I have a cousin who can fix this for you.”
Ideally, the person who caused the accident will have enough money or assets to repay the losses. And you have the option of taking them to court to try to get them to pay. However, anyone who does not have enough money to purchase car insurance probably doesn’t have enough money lying around to pay for the repairs.
And heaven forbid anyone gets hurt in the accident, because someone will have to pay the medical bills.
A word of warning: If the uninsured driver asks you not to call the police or tells you he knows someone who can fix your vehicle, don’t listen to him. While it’s sad that they can’t afford car insurance, you need to pay attention to your financial interests.
Who Will Actually Pay?
The reality is that your insurance company will likely have to make the repairs. However, it won’t unless you have uninsured motorist coverage.
Uninsured motorist coverage is not part of a standard auto insurance policy. When you buy a policy, you have the option to add uninsured and underinsured motorist coverage. This coverage provides protection in the event you are hit by an uninsured driver.
As long as you have added uninsured motorist coverage to your policy, your insurer will pay the damages that the at-fault driver should have paid. This includes vehicle damage and medical expenses.
Some states require uninsured motorist coverage, but even if you live in a state that doesn’t require it, it’s a good idea to request it. The cost of uninsured motorist coverage varies by state and insurer, but you may be surprised to learn that adding it to your coverage will likely cost less than one meal a month at a fast food restaurant.
It is critical to add uninsured motorist coverage to your policy before an accident occurs to be covered. You can’t call your insurer after an accident, add coverage, and expect them to pay for the damages. Again, the good news is that uninsured motorist coverage is pretty cheap.
Uninsured Motorist Coverage is Added Next
Once your coverage is in place, you know you don’t have to worry about who will pay in the event of an accident, even if you’re driving in Florida, where the rate of uninsured drivers is 26.7%, or in Mississippi, where the rate is 23.7% of people traveling are not insured.
If an accident occurs, make sure everyone in the car is safe, pull over in a safe place if the car is drivable, and exchange information with the at-fault driver. Call the police immediately, and as soon as the police have sorted everything out, call your insurance company.
Hopefully, a car accident never occurs. But if you do, and if the other driver is uninsured, uninsured motorist coverage can get you back on the road.
Our Best Car Insurance Companies for 2022
Ready to buy car insurance? Whether you’re focused on price, claims handling, or customer service, we’ve researched insurers nationwide to provide our top picks for auto insurance coverage. Read our free expert review today to get started.
Summary
Getting hit by an uninsured driver can be a frustrating and costly experience. With approximately 32 million uninsured drivers on the roads, the chances of encountering one are not uncommon. However, there are steps you can take to protect yourself and ensure that you are not left with the burden of paying for damages or medical expenses.
First and foremost, always call the police after a car accident, regardless of its severity. This not only provides a police report for your insurance claim but also helps determine fault and insurance coverage. Additionally, consider adding uninsured motorist coverage to your auto insurance policy. This additional coverage ensures that your insurer will pay for damages and medical expenses if you are hit by an uninsured driver.
While it’s unfortunate that some individuals cannot afford car insurance, it’s essential to prioritize your own financial interests. Don’t be swayed by promises of cheap repairs or favors from uninsured drivers. Instead, take the necessary steps to protect yourself and rely on your insurance company to handle the aftermath of the accident.
Remember, it’s always better to be prepared and have the coverage you need before an accident occurs. Consult with your insurance provider to add uninsured motorist coverage to your policy and ensure that you have peace of mind on the road.
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It is estimated that approximately 13% of cars that speed past you on the highway are driven by an uninsured driver. This translates into approximately 32 million people crossing their fingers and hoping they don’t have an accident. So, what happens when one of those drivers smashes your car or rear-ends you in a parking lot?
After the car accident
As long as no one is injured, drivers typically switch insurance information following a car accident. However, you may find it difficult to do this if the other driver is uninsured. They may lie about their coverage or refuse to talk to you.
In either case, you should always call the police after a car accident, no matter how minor. First, your insurance company will want a police report to process your claim. But just as importantly, law enforcement can quickly determine who is at fault and determine who has insurance.
“Hey, I have a cousin who can fix this for you.”
Ideally, the person who caused the accident will have enough money or assets to repay the losses. And you have the option of taking them to court to try to get them to pay. However, anyone who does not have enough money to purchase Car Insurance He probably doesn’t have enough money lying around to pay for the repairs.
And heaven forbid anyone gets hurt in the accident, because someone will have to pay the medical bills.
A word of warning: If the uninsured driver asks you not to call the police or tells you he knows someone who can fix your vehicle, don’t listen to him. While it’s sad that they can’t afford car insurance, you need to pay attention to your financial interests.
Who will actually pay?
The reality is that your insurance company will likely have to make the repairs. However, it won’t unless you have uninsured motorist coverage.
Uninsured motorist coverage is not part of a standard auto insurance policy. When you buy a policy, you have the option to add uninsured and underinsured motorist coverage. This coverage provides protection in the event you are hit by an uninsured driver.
As long as you have added uninsured motorist coverage to your policy, your insurer will pay the damages that the at-fault driver should have paid. This includes vehicle damage and medical expenses.
Some states require uninsured motorist coverage, but even if you live in a state that doesn’t require it, it’s a good idea to request it. The cost of uninsured motorist coverage varies by state and insurer, but you may be surprised to learn that adding it to your coverage will likely cost less than one meal a month at a fast food restaurant.
It is critical to add uninsured motorist coverage to your policy before an accident occurs to be covered. You can’t call your insurer after an accident, add coverage, and expect them to pay for the damages. Again, the good news is that uninsured motorist coverage is pretty cheap.
Uninsured motorist coverage is added next
Once your coverage is in place, you know you don’t have to worry about who will pay in the event of an accident, even if you’re driving in Florida, where the rate of uninsured drivers is 26.7%, or in Mississippi, where the rate is 23.7%. of people traveling are not insured.
If an accident occurs, make sure everyone in the car is safe, pull over in a safe place if the car is drivable, and exchange information with the at-fault driver. Call the police immediately, and as soon as the police have sorted everything out, call your insurance company.
Hopefully, a car accident never occurs. But if you do, and if the other driver is uninsured, uninsured motorist coverage can get you back on the road.
Our best car insurance companies for 2022
Ready to buy car insurance? Whether you’re focused on price, claims handling or customer service, we’ve researched insurers nationwide to provide our top picks for auto insurance coverage. Read our free expert review today to get started.
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