What Happens If the At-Fault Party Doesn’t Have Car Insurance?
Having car insurance is not just about paying for your premiums. It is also about protecting you in case you are involved in an accident and someone else is at fault. So, what happens if the at-fault party doesn’t have car insurance?
Uninsured motorist coverage
Depending on the state you live in, you may need to purchase uninsured motorist coverage. If you do, you will have peace of mind knowing you will be compensated if an uninsured driver causes an accident.
In many states, you will be required to carry uninsured and underinsured motorist coverage. These two types of insurance can help cover medical expenses, vehicle damage, and loss of income. They can also be purchased as an add-on to your existing policy.
You will need to provide proof of financial responsibility for any damages you incur in an accident. If you have collision coverage, you can be reimbursed for the cost of repairing your car. You can also file a claim against the at-fault party for a portion of the costs.
You should talk to the person who caused the accident to find out what he or she had in terms of insurance. You should also check the make and model of your car to ensure it is covered.
If the at-fault party does not have car insurance, you will have to seek compensation through the court system. This will take time and may cost you money. You can also look into other options such as filing a claim … Read More