Has someone you know been involved in a car accident with no insurance? If so, you know that it can be messy.
The number of uninsured motorists by state varies greatly with Maine coming with the lowest percentage and Florida with the highest at 26.7%.
Driving without car accident insurance is risky and sometimes illegal. Penalties such as loss of license and car registration as well as jail time are a possibility.
Car accidents without insurance occur more often than you think. If you find yourself involved with one, you’ll want to know what to do to experience the best outcome.
No Insurance Car Accidents
When a car accident occurs, it is normally expected that both parties involved carry some type of car insurance and the laws of the state regarding insurance and accidents prevail. What happens when one party is uninsured?
You Are At Fault
If you cause an accident, your insurance company is responsible for paying the damage and injury costs of the victims of the accident. This is true in most states.
If you were driving with no insurance, you leave yourself open to a possible lawsuit filed by the other party.
The Other Driver is at Fault
If you don’t have insurance, you may be limited in suing the at-fault driver. If you are in a state with “no pay, no play” laws, you as an uninsured drive cannot sue for damages that can’t be quantified with a monetary value. These damages include emotional distress, physical pain, and mental suffering.
Car Accident No Insurance in a No-Fault Insurance State
If you live in a “no-fault” state, this means when there’s a car accident, no one is labeled as being “at fault.” Each driver files a claim with their insurance company. The insurance companies cover the injury claims without determining who was at fault. No-fault states also limit when you can sue the other driver.
If you cause an accident in a no-fault state and don’t have insurance, the other driver is unlikely to be able to file a lawsuit against you to seek compensation directly from you.
There are circumstances where it’s possible that you’d be named a defendant in a lawsuit when serious injuries are involved and total over a certain amount of money.
Looking for the best truck accident lawyer with a proven record? Look no further. Get the results and personalized service you deserve.
Car Accidents Without Insurance
Now that you know what happens with car accidents without insurance, you’ll be better prepared if it happens to you. While you can’t control what others do, you should always carry car insurance not only because it’s the law in most states, but because the consequences of not having it can be severe.
Be sure to bookmark our site to stay up to date with the latest quotes, business news and information, law-related articles, lifestyle, and more. Stay in the know with us!