Getting into an accident of any sort can be a scary and difficult experience, but if one of the involved drivers does not have insurance, it can become very complex as well. While driving without insurance is illegal in the U.S., there are still a number of motorists who take to the road without coverage. This can compound already existing problems created by accidents and even introduce new ones.
As stated by the Office of Insurance and Safety Fire Commissioner, an uninsured driver that ends up in an accident will have no coverage whatsoever. This means that they will have to personally cover any damage done to their own car out of their pocket directly. They may also end up having to pay for the damages of the car(s) they strike out of their pocket, though often times those drivers are left fending for themselves. Court fees can add to this, making any accident for an uninsured motorist a very expensive one. However, a claim can still be filed after an accident if one of the motorists involved does have insurance.
In addition to lacking accident coverage and the monetary protection that comes with it, uninsured motorists will also lack protection against other types of damages that are not necessarily related to collisions but would still incur monetary expenses. This includes fire damage, theft, or any type of vandalism such as tire slashing, key scratches, break-ins that damage the windows or the car itself, and bumper removal.
There are many different types of insurance to look into for anyone who wishes to avoid shouldering the monetary burden of getting into an accident with an uninsured driver. Looking into these can be a good way to start protecting one’s assets, since there is very little that can be done to force uninsured drivers to get insurance.