What Happens If The At Fault Driver Does Not Have Auto Insurance When An Accident Happens?

Auto insurance is required in every state in America if you want to drive a vehicle. This car insurance policy will offer protection if an accident or injury happens, paying for the cost of any damage and medical expenses that result from the incident. But what happens if an accident occurs and the driver who causes the accident does not have any vehicle insurance coverage? Does this put you at risk for high damage expenses and medical bills? When you buy your auto insurance policy, part of the premium you pay is for car insurance coverage that is intended for a claim involving uninsured motorists. This is called the Uninsured Motorist Fund in most states, and can be a significant part of your auto insurance premium, although not as much as the medical coverage portion.

If an accident happens and the at fault driver does not have valid proof of vehicle insurance and current auto insurance coverage, they can be ticketed and face criminal charges, depending on the severity of any injuries or damage resulting from the accident. In no fault car insurance states, your auto insurance company will cover your costs except for the deductible amount, but only if you have full coverage car insurance. Normally, in no fault car insurance states you can only recover the deductible amount from the auto insurance company that covers the other driver, but if they do not have a valid vehicle insurance policy you may have to file suit in court to recover your deductible.

But what if you do not live in a no fault car insurance state? In all other states, you can recover the amount directly from the driver if your full coverage auto insurance policy does not cover the claim. This may involve a lengthy time frame and could cost you money for filing fees and court costs at the beginning, but these fees are usually included in any judgment.

The best way to protect yourself is to find high quality auto insurance coverage at the best cost. It is also a very good idea to make sure your car insurance coverage is full coverage, and not just the minimum amount which your state requires. This will help take some of the burden off you if an accident happens and the at fault driver does not have auto insurance coverage. Cheap auto insurance, including full coverage vehicle insurance, can be found by comparing car insurance quotes. Auto insurance quotes can help you identify which car insurance policies will cost you less, and what coverage amounts and types are included in the price of the vehicle insurance. Using car insurance quotes can help you find the right coverage for your vehicle, needs, and lifestyle at the lowest possible costs. This method can help you save hundreds of dollars or even more on your full coverage auto insurance policy. Why pay more to protect yourself when you don't have to?