Car Accidents Involving Uninsured Drivers

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Car accidents involving uninsured drivers can be bad news for both parties. A minor fender-bender may only cost a few hundred dollars to repair, but a major accident could result in hundreds of thousands of dollars in medical bills, not to mention potentially totaling one or both vehicles. If the other driver doesn’t have insurance, recovering on this type of accident can turn into a nightmare. You may have to go after the other driver’s personal assets, and if they don’t have any, you may never make a recovery on an accident with uninsured drivers.

Uninsured/Underinsured Motorists

Some states require drivers to carry uninsured and/or underinsured motorist insurance. If you live in one of these states that has mandatory coverage, you can make a claim against your own uninsured policy. However, if you don’t live in a state that has mandatory coverage, you have to purchase the additional uninsured/underinsured motorist coverage.

Unfortunately, many drivers neglect to do this, and leave themselves potentially exposed to thousands or tens of thousands of dollars out-of-pocket. It’s a good idea to carry this policy, because statistically one out of four drivers is involved in an accident every year.

Recovery Without Uninsured Motorist Policy

If you don’t have an uninsured motorist policy, your avenue to recover financial loss for medical bills or property damage is limited. In most states, you may be able to sue the uninsured driver if that driver was at fault for the accident. You can go after personal assets, but the specifics vary by state.

Most uninsured drivers, however, are uninsured because they can’t afford to carry an insurance policy, and these individuals generally have no assets for recovery. In these cases, if you don’t have an uninsured motorist policy, you may be able to get a judgment against the uninsured driver, but may still have long-term difficulty in collecting damages.