Car Crash Nightmares: Collision Minus Insurance Equals Trouble

By Kyle Fitzsimmons, InsuranceAgents.com Staff Writer

What Happens When You Get Into A Car Accident Without Car Insurance

With such a large number of uninsured and underinsured drivers cruising the highways and byways of America, there is a strong possibility of getting into a collision with one. There is a minimum amount of car insurance coverage required in each state but that will not cut it should you get into a collision. A quality car insurance policy will include coverage for if you get into an accident with an uninsured or underinsured driver. To compare policies and save a ton on your car insurance, use our quick rates comparison form.

If you are worried that your current car insurance policy is inadequate or if you just purchased a car and need to insure it then you can start your journey to reasonably priced car insurance online. Compare car insurance quotes from a number of different providers to find the policy best suited for you.

Here are a few scenarios about what happens when an insured driver collides with an uninsured or underinsured driver:

• Uninsured driver – This is a tricky situation. You will need to get as much information from the driver and relay it to your insurance company. Depending on who is at fault and what was damaged, your insurance company will reimburse the damage to your car but probably at the expense of your premiums. You will want to consider a lawsuit against the uninsured driver in this case.
• Underinsured driver – In this scenario, the other driver’s insurance company will pay for your damages up to their limit and then your insurance company will step in to cover the rest. Again, this could be at the expense of your premiums depending on who was at fault and the extent of damage.

NOTE: Each state is different when it comes to car insurance coverage and the protocol for following when an accident occurs. Consult your state’s DMV for the specifics.

Car Insurance A Must In Any State

Not just car insurance but quality car insurance is an important tool for any driver to have. Getting into a serious accident without adequate insurance could lead to a financially devastating chain of events that involve lawsuits and insurmountable debt. Talk to your car insurance agent today about ways you can better insure your car and yourself. To find a local agent and compare up to 5 quotes, use our quick online form.

Published: Wednesday 4th November 2009