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I Had an Accident With an Uninsured Driver: Now What?

person taking picture of a car accident with an uninsured driver

Most states require that drivers carry liability coverage. Still, driving without insurance is commonplace. Approximately 13 percent of drivers do not have insurance, and unfortunately, some of these motorists get into accidents. Because of that, you need to know what happens if you get hit by someone without insurance. Let’s dig in so you’ll know what to expect after an uninsured driver accident. 

Suing an Uninsured Driver for Damages

You could take legal action against an uninsured driver for damages if you reside in a traditional negligence state. However, most uninsured drivers do not have much disposable income. The court might order that the other driver follow a payment plan, but you are unlikely to get much money if you go this route. You might even lose money after you pay attorney fees. 

Instead of suing an uninsured driver for damages, protect yourself with the right insurance policy. Then you won’t have to worry if you’re in an uninsured driver accident. 

Uninsured Motorist Coverage – the Easy Way to Protect Yourself

Uninsured motorist coverage is required in some states. While California doesn’t force people to get it, insurance companies are required to offer it. If you choose not to get it, you will have to sign a waiver, which states you understand what will happen if you’re in an uninsured driver accident. 

If you do get this coverage, you’ll likely be offered the same limits that you carry on your liability coverage. Then, if you are in an accident with an uninsured driver, your uninsured motorist coverage will pay your expenses. The expenses include lost wages and medical bills. Also, uninsured motorist coverage can pay for pain and suffering. 

worried woman using her phone after a car accident with an uninsured driver

When you add uninsured motorist coverage, you can also include underinsured motorist coverage. This is similar, but it covers you if you’re in an accident with someone who does not have enough insurance. The coverage will kick in once the at-fault driver’s policy is maxed out. 

With both uninsured and underinsured motorist coverage, you will negotiate and settle with the insurance company. Your uninsured and underinsured motorist coverage settlement can cover economic and non-economic damages. 

Other Insurance Options to Use After an Uninsured Driver Accident 

While uninsured motorist coverage is the best option, your current insurance policy might offer some protection. If you have collision coverage, you can use it to pay for repairs. However, you might have to pay a deductible to get your car fixed.

You also might have medical payments coverage. If so, you can use it to pay your medical bills until you reach the policy’s limit. This generally does not include a deductible, but look at your policy to *make sure. 

These options can help you if you are in an accident and don’t have uninsured motorist coverage. However, uninsured motorist coverage is the best way to protect yourself.

Getting Uninsured Motorist Coverage

Like other forms of auto insurance, you need to compare rates to find the best deal. Begin by contacting a licensed insurance agent. The agent will take your information and find different uninsured motorist coverage options for you. Then you can pick your coverage and enjoy the protection that it offers. With the right uninsured motorist coverage, you won’t have to worry when you drive. You’ll be protected, even if you encounter drivers without insurance. 

Get the peace of mind you need with a car insurance policy from Freeway and save up to $839*. Start your free quote online, over the phone, or at one of our offices near you.

*Based on a Q1 2020 study of Freeway Insurance customers who reported saving when they switched.

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