What if I Have an Accident with an Uninsured Driver?

Getting into an auto accident can be a big deal, and it can be even worse if you are involved in a crash with a driver who has no insurance coverage. This is not something that you can ever predict, but like rotating your tires to avoid unexpected flats, it is something that you can prepare for. If you spend some time thinking about your needs and getting the right coverage, then you could be just fine after an accident occurs. You may be able to get things taken care of right away.

A lot of drivers on the road make the mistake of assuming that every driver is going to be insured. Now, it makes a little sense to assume this because having insurance coverage is something required by the law. However, there are still tons of drivers out there who don't comply with the law. Instead, they just drive illegally in the hopes that they won't get into an accident. If you falsely believe that everyone on the road is covered, then this could lead to bad news in the end. You don't want to get stuck in one of these situations and not have the appropriate coverage.

How to Protect Yourself

If you want to make sure that you have the protection that you need against drivers without insurance, then you just have to purchase the right coverage from your provider. You need to get some uninsured motorist coverage so that your provider will cover any injuries that occur to you and your passengers. If the person that you are in the accident with does not have any coverage, then you won't be able to rely on them to help you pay for these expenses, so you need this type of coverage.

If you want to ensure that your car is taken care of, then you may need to look into getting collision coverage. In some places, uninsured motorist coverage may help pay for some damages to a vehicle, but in most places you will need to have some collision coverage. This simple type of coverage is useful in that it will pay for damages to your vehicle after an accident. Even if the crash was your fault, you can look forward to getting it fixed after making a claim on this portion of your policy.

Drivers who have not prepared themselves with this type of coverage may be able to actually sue the other driver to help pay for the damages that were caused in the accident. You need to be careful about this, though, because there is usually a reason why drivers don't get coverage. A lot of times, they don't secure car insurance because they cannot afford to pay for it. That means that they may not be able to afford to pay for it if they get into a crash with you. So you may end up wasting your money by suing them.

Tips for Making a Claim

If you have an accident with an uninsured driver, then you're going to need to report this to your insurance provider. If you have coverage that will help you take care of some of these costs, then you need to make a claim as soon as you possibly can. It will help your claim significantly if you can provide as much information as possible about the driver who caused your accident. Your company will want to rule out the possibility of fraud, and giving thorough information is the best way to do this.

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