The Driver Who Hit Me was Uninsured
One thing many drivers worry about is being in an accident with someone who is uninsured. Should that happen to you, even if it’s not your fault, you will have to foot the bill for every single aspect of damages. As a result, people who want to protect themselves from what could be a nightmare scenario will often get uninsured motorist coverage.
If you are driving along and are suddenly hit by an uninsured motorist, you’re going to be facing a very tedious, difficult and potentially expensive situation. An uninsured motorist won’t be able to pay for any damages you’ve suffered, either in terms of physical injury or property damage or both, because they won’t have an insurance company to back them up. If you’ve been hit by an uninsured motorist, you’ll have to try to get the money out of them personally – and let’s face it, if someone can’t afford to get car insurance they probably won’t be able to afford thousands of dollars in car repairs.
As a precaution against uninsured motorists and the headache of an accident with an uninsured motorist, therefore, it makes a lot of sense to get uninsured motorist coverage. Many states, in fact, require it, but in other places it will be optional. If it’s optional, you should still spend the extra money every month to avoid the nightmare of getting into an accident with an uninsured motorist. You’ll be glad you did if you ever find yourself in that situation.
To learn more about uninsured motorist coverage, and what you should do if you get into an accident with an uninsured motorist, call or sit down with an auto insurance expert.