Most drivers know that one of the first steps to take following a car accident is exchanging insurance information with the other driver. What happens when the other driver is not insured? Whether you have recently been in a crash or are considering modifying your auto insurance policy, it’s important to understand the way expenses are covered when one driver doesn’t have insurance.
At-Fault and No-Fault States
First, it’s critical for drivers to note that each state handles the aftermath of car accidents differently. If you live in a no-fault state, each driver’s own insurance policy is used to cover his or her own damages. In this situation, it wouldn’t matter whether the other driver is insured unless the damages exceed what your insurance company will pay.
If you live in an at-fault state, on the other hand, your policy may or may not apply to situations in which an uninsured driver hits you. Basic liability plans, for example, would cover neither the cost of repairing your car nor your medical expenses.
Your Insurance Policy
To avoid sticky situations, it is best to beef up your own auto insurance policy to make sure your expenses are covered whether or not other drivers have insurance. In certain states, drivers are required to purchase uninsured motorist coverage. Even if they aren’t required in your state, it is prudent to invest in both uninsured and underinsured motorist coverage.
Additional policies you can add to your insurance plan include personal injury protection, collision coverage, and medical payments coverage. PIP and MedPay help you pay for any medical expenses you may accrue following an accident. Collision coverage, on the other hand, applies to expenses stemming from car damages.
Taking Legal Action
If your insurance policy doesn’t allow you to pay for all your medical and automotive expenses following an accident, you may have to take legal action against the other driver. In these circumstances, it is essential to consult a car accident lawyer. The amount of money you receive may depend on a court’s assessment of the crash’s cause, as well as the other driver’s financial situation.
If you have recently been hit by an uninsured driver, be sure to reach out to a car accident lawyer, like our friends at Cohen & Cohen, right away. These legal professionals can advise you about the best way to move forward so you can take care of your health and your vehicle as best as possible.