Auto accidents with uninsured motorists happen a lot in the United States and Canada. Many drivers make the decision to drive without having valid insurance, and rick large financial debts if they are involved in an accident. It is the law to have insurance if you are operating a vehicle in the United States and Canada. But what happens if I am involved in an accident with someone who doesn’t have insurance? Remember that driving without insurance is highly illegal, and Auto Insurance Knowledge does not endorse this activity!
People usually drive without insurance, in order to save money, as they feel they cannot afford to pay the monthly premiums. However, if they were ever in an accident, the amount of money they would have to pay for damages would be far greater then anything they would pay for insurance. It is simply not worth saving a couple bucks a month, if you are involved in an accident and get sued for tens or even hundreds of thousands!
If you didn’t have insurance and were hit by another car, then all the at-fault rules still apply regardless of whether or not you have insurance. However insurance companies usually deal with other insurance companies, which then give the settlement to you. If you don’t have insurance, you should still be compensated for your injuries; however, you will face charges of driving without insurance. Depending on the state or province, these could be license restriction or heavy fines.
If you had insurance and were hit by another motorist who was not insured, your insurance company would most likely cover the damage. I believe this would only apply if you had un-insured insurance (insurance against people who are uninsured) or comprehensive coverage. The insurance company would then sue the uninsured motorist. You could also file a suit against the motorist, for your injuries, and for the value of your deductible.
Remember if the motorist can’t pay for insurance in the first place, they probably can’t pay for the damages either! Having auto accidents with uninsured motorists is a big headache but can be avoided with the purcahse on uninsured insurance.