What happens if your car is hit by an uninsured driver?
Even if the other party is uninsured, if the accident is your fault then you’ll be responsible for their repair costs. This should be covered by basic third-party insurance, however, repairs to your car will only be covered under comprehensive insurance.
Can you file a claim against an uninsured driver?
If you don’t have uninsured motorist coverage on your own insurance policy, you cannot make a claim or recover damages against an uninsured driver. When you’ve been in an accident, it’s important to file a report to your insurance company right away. A report is not the same as a claim.
How does uninsured and underinsured motorist coverage work?
Uninsured and underinsured motorist coverages are policy add-ons that you can choose when you purchase insurance. If you’ve included uninsured or underinsured motorist coverage, your insurance will pay the claim after a collision with an uninsured driver.
Is it against the law to drive without car insurance?
Driving without car insurance is against the law and anyone caught in the act faces an unlimited fine plus up to eight points on their licence. Uninsured drivers could also see their cars being seized and destroyed.
Even if the other party is uninsured, if the accident is your fault then you’ll be responsible for their repair costs. This should be covered by basic third-party insurance, however, repairs to your car will only be covered under comprehensive insurance.
If you don’t have uninsured motorist coverage on your own insurance policy, you cannot make a claim or recover damages against an uninsured driver. When you’ve been in an accident, it’s important to file a report to your insurance company right away. A report is not the same as a claim.
When to use your uninsured motorist coverage?
Uninsured Driver Coverage. You use your uninsured motorist coverage if you are hit by a driver who carries no car insurance, and the accident is deemed to be that driver’s fault. If that happens, you would generally not bother trying to sue the uninsured driver.
What to do if someone hits your car without insurance?
There are millions of drivers on the road without insurance coverage. Here’s what to do if someone without car insurance hits your vehicle. Nearly every state requires drivers to have at least a minimum amount of liability car insurance coverage. Still, there are those who don’t buy even that much car insurance — despite it being against the law.