What Happens If I Get Into An Accident With Someone Who Has No Insurance?

Will Parker

Attorney
(866) 735-1102 Ext 480

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Have you ever really thought about your insurance coverage? Many people just know it is required by law, and they opt for the minimum requirements. This decision often leads to devastating results. No one contemplates being involved in a car accident. Until I began practicing law, I had no idea how often people are negligent, careless and even reckless when operating a motor vehicle. So what happens when you are hit by a driver who doesn't have insurance? Unfortunately, in most states, you are out of luck!The bottom line is you have to protect yourself. This is the time when the decision to opt for the "legal minimum requirements" comes back to haunt you. Uninsured motorist is optional coverage designed to protect you. Many states require insurance companies offer you this additional coverage. It is most often very affordable...sometimes a few dollars a month can double or triple your coverage. Underinsured coverage is also available in the event that someone hits you and does not have enough coverage to cover your injuries. So, if you don't have uninsured and underinsured coverage, go see you insurance agent.