What You Can Do To Protect Yourself From Uninsured Drivers

Published by Michael Hoban on

Unfortunately, uninsured drivers exist. Although they technically do not make roadways unsafe, they do complicate insurance claims in the case of an accident. If you are an insured driver, you may think your insurance coverage will cover any damages or medical bills if an uninsured driver hits you. Unless you have collision or some other comprehensive coverage, you may end up having to pay out of pocket. This post will discuss ways you can protect yourself from uninsured drivers

Coverage Options

As mentioned the best way to protect yourself is to have an insurance plan that covers damages to your vehicle when another driver is at fault. This way, regardless of whether the other driver’s policy exists, you will be ok. Of course, upgraded coverage will be more costly, but it likely pales in comparison to the repair costs, medical bills, or loss of income due to injury.

Filing A Suit

If an uninsured driver strikes you, and if your coverage does not include uninsured drivers, you have the option of filing a lawsuit. The problem with that option is that it still costs you money for litigation and is time-consuming. You may not even “win” a settlement, so this option should be a last resort.

Take Home Message

If you are driving without insurance, you are taking a huge risk. If you are caught driving uninsured multiple times, you will face staggering fines, license suspensions, and may need to file for Sr-22 insurance. On top of that, if you are at fault for an accident, the other person has the option of filing a lawsuit for damages. Uninsured drivers complicate things, obtain at least minimal liability coverage.