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What happens if you're in an accident with an uninsured driver?

Author's Note

I was particularly interested in this assignment because a good friend of mine had been injured – and her car totaled – in an auto accident caused by an uninsured driver. This was in a tort state. My friend was out of luck. It would have done no good to sue the uninsured driver because that person had no assets. My friend's own insurance company was not going to pay because the accident was not my friend's fault.

In my research, I learned that my friend's problem was not unusual. There are a lot of uninsured drivers, and if you are unlucky enough to get into an accident caused by one of them, you may be in a bad situation. One of the most important things I learned is that you can pay to add uninsured motorist coverage to your policy. I also learned such coverage might be worthwhile even in a no-fault state.

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  • CarInsuranceQuotes. "The Role of Uninsured Motorist Coverage In No Fault States." (March 17, 2012)
  • Copeland, Larry. "One in seven drivers have no insurance." USA Today. Sept. 12, 2011. (March 15, 2012)
  • Insurance Information Institute. "Uninsured Motorists." (March 20, 2012)
  • Insurance Providers. "What happens if an uninsured driver hits an insured driver?" (March 15, 2012)
  • Insurance Quotes Complete. "The Need for Uninsured Drivers Car Insurance Coverage." (March 18, 2012)
  • "Uninsured Motorist Insurance." (March 15, 2012)
  • Overmeyer, Jill. "These things will raise your auto insurance premium – but they could be worth it." Insure Me. (March 17, 2012)
  • 21st Century Insurance. 'What is Auto Insurance & Coverage Types?" Insurance Information Center. (March 18, 2012)
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