It is quite easy to find low price car insurance quotes these days. The number of insurance companies has almost tripled in the past decade and many of them offer low price car insurance with good benefits. However, in spite of the low prices and numerous benefits, there many drivers who do not have car insurance. In fact, the number of uninsured drivers is so high that being in a collision with one of these individuals is almost inevitable.
An uninsured driver is someone who does not have a car insurance policy or someone whose has a car insurance policy that does not meet the state’s minimum liability requirements. In most states, hit and run drivers also fall under the uninsured driver category.
So, what happens if you are involved in an accident and the other driver is uninsured and what can you do to make a claim?
If you are involved in an accident and the other driver is uninsured, in order to make a claim, you need to have something called Uninsured Motorist Coverage. In most cases, in the event of an accident with an uninsured driver, this type of insurance coverage will pay for injuries caused to you and your passengers. In some states, the uninsured motorist coverage will also cover property damage.
Uninsured motorist insurance coverage has another benefit. If you are hit by a vehicle without insurance coverage when you are a pedestrian, the uninsured motorist insurance coverage will pay for any injuries.
Uninsured Motorist Coverage is mandatory is some states and it must meet the state’s minimum limit. Unfortunately, you may not be able to purchase uninsured motorist coverage beyond this limit. In the event of an accident with an uninsured driver, uninsured motorist insurance will pay up to the limit of your coverage. And, this is also the biggest drawback with uninsured motorist coverage. It will only cover for injuries and damages up to your coverage limit and anything beyond that will be your responsibility.
If you do not have uninsured motorist coverage, you will not be able to make a claim and you might have to pay for the damages from your own pockets. If the uninsured driver is at fault, you do have the option of suing the driver, which could help you recover some of the costs.
Considering the number of uninsured drivers, it is important to purchase uninsured motorist coverage. Not only is it low price car insurance, but in the event of an accident with an uninsured driver, you wouldn’t have to worry about the expenses. Even though there is a coverage limit on this type of coverage, some coverage is better that no coverage.