Being in an auto accident is never convenient. You have to deal with the other driver, damages to both cars, insurance companies and, depending on the severity of the accident, potentially a lawyer. About 25 percent of U.S drivers are doing so without insurance. Do you know what happens if you or the person you got in an auto accident with is uninsured?
The Other Driver Is Uninsured
If you are the victim of a small crash with an uninsured driver, they may offer to pay you for the damages done to your car. Do not do this. It is important to get an estimate on the repair costs. There could be structural damage you can’t see. This could double or even triple the cost.
It may be in your best interest to have uninsured motorist coverage. This means your own insurance will cover your repair costs. All you need is the other party’s information. If you don’t have uninsured motorist coverage protection, you will have to receive compensation by hiring a lawyer and going to court to receive the money you deserve.
By law, some states require drivers to purchase uninsured motorist’s coverage. Utah is not one of those states. If you are in an accident in Salt Lake City, you may want to consider getting uninsured motorists coverage before another accident occurs.
If You Are Uninsured
Driving without insurance is illegal in most states. The consequences differ in severity depending on the state. If you get in an auto accident, you will have to pay for the damages done to the vehicles. If you cause the accident and there are medical costs involved, you may have to hire a lawyer for the situation in which legal action is allowed.
As always, you’re better safe than sorry — buy car insurance. If you get in an auto accident without insurance you could be creating a huge problem for yourself. If you get in an accident with someone who is uninsured, contact a lawyer to receive the compensation needed to cover your costs.
Sources:
http://money.howstuffworks.com/personal-finance/auto-insurance/accident-without-insurance.htm
http://www.all-about-car-accidents.com/resources/auto-accident/after-a-car-accident/what-do-after-car-accident-without-insurance