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Monday, December 5, 2022

Do Insurance Companies Go After Uninsured Drivers? – All You Need To Know

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Ever wonder about obtaining uninsured motorist’s coverage or not? So many questions but never the answers. Getting these so-called free rides is getting more difficult as insurance companies are cracking down on drivers who can’t be properly covered in a crash because they don’t have insurance. Some drivers with suspended licenses are guilty of this. How will an accident happen with the other driver being able to pay the bill if there was no insurance?

Health Insurance

When it comes to health insurance, there are a lot of questions that people have. One of the most common questions is whether or not insurance companies go after uninsured drivers. The answer to this question is a bit complicated.

On one hand, insurance companies do have a financial incentive to go after uninsured drivers. This is because these drivers are often involved in accidents and file claims that the insurance company has to pay out. As a result, going after uninsured drivers can help insurance companies recoup some of their losses.

On the other hand, many states have laws that protect uninsured drivers from being sued by insurance companies. In these states, the insurance company can only go after the driver’s assets if they are involved in an accident. This means that the insurance company may not be able to recoup all of its losses if they go after an uninsured driver.

Ultimately, whether or not an insurance company goes after an uninsured driver depends on a number of factors. These include the laws in your state, the financial incentive for the insurance company, and the severity of the accident.

Uninsured Driver Coverage

If you’re like most people, you may not know that your insurance company can go after uninsured drivers who cause an accident. It’s called uninsured driver coverage, and it can help you recover damages if you’re hit by a driver who doesn’t have insurance. Here’s what you need to know about this type of coverage.

Most insurance companies offer uninsured driver coverage as an option, for an additional premium. If you have this coverage and are hit by an uninsured driver, your insurance company will step in and pay for your damages, up to the limit of your policy.

Uninsured driver coverage is important because unfortunately, there are a lot of bad drivers out there who don’t have insurance. In fact, studies show that about one in eight drivers on the road is uninsured. That means that if you’re in an accident, there’s a good chance the other driver doesn’t have insurance.

If you don’t have uninsured driver coverage and are hit by an uninsured driver, you may be stuck paying for your own damages yourself. That’s why it’s important to consider this type of coverage when you’re buying car insurance.

Fault In the Case of an Accident

If you’re involved in an accident with an uninsured driver, you may be wondering if your insurance company will come after you for damages. The answer is possibly, but it depends on the circumstances of the accident and who is at fault. If you live in a no-fault state, your insurance company may not go after the other driver at all. But if you live in a fault state and the other driver is found to be at fault, your insurance company may seek reimbursement from their insurance company for the damages they had to pay out.

Medical Payments Coverage (Insurance you need to file)

Medical Payments Coverage (MPC) is optional insurance you can purchase to help cover your medical expenses in the event that you’re injured in a car accident, regardless of who is at fault. Even if you have health insurance, MPC can help cover things like deductibles, co-pays, and other out-of-pocket expenses. Plus, it can be used to cover expenses for anyone else who was in your vehicle at the time of the accident and was injured, even if they are not related to you.

Do I need Medical Payments Coverage?

That depends on a few factors. If you live in a state that requires Personal Injury Protection (PIP) or no-fault insurance, then you likely already have medical payments coverage as part of your policy. Even if it’s not required in your state, MPC can still be a good idea to have, particularly if you don’t have health insurance or if your deductible is high.

Personal Injury Protection Coverages

Most states require that drivers carry a minimum amount of bodily injury liability and property damage liability coverage. However, some states also require that drivers carry personal injury protection (PIP) coverage. PIP coverage helps pay for medical expenses and lost wages if you’re injured in a car accident, regardless of who is at fault.

If you live in a state that requires PIP coverage and you’re involved in a car accident with an uninsured driver, your PIP coverage should help cover your expenses. If you have questions about your particular policy or coverage, contact your insurance company or agent.

What types of accidents will not cover uninsured driver liability?

There are many different types of accidents and it can be difficult to know which ones will not be covered by your insurance company if you are an uninsured driver. However, some common examples include:

-Hit-and-run accidents: If you are involved in a hit-and-run accident, your insurance company will likely not cover any damages that are caused.

-Accidents caused by drunk drivers: If you are involved in an accident that is caused by a drunk driver, your insurance company will likely not cover any damages that are caused.

-Accidents caused by uninsured drivers: If you are involved in an accident that is caused by an uninsured driver, your insurance company will likely not cover any damages that are caused.

How much will it cost if my insurance company finds out I am uninsured?

“If you are caught driving without insurance, you could be fined up to $5,000. Your driver’s license may also be suspended for up to a year. Additionally, if you cause an accident while uninsured, you could be sued for damages by the other driver.”

Conclusion

If you are involved in an accident with an uninsured driver, it is important to know what your options are and how to proceed. Insurance companies will often go after uninsured drivers in order to recover costs, but there are steps you can take to protect yourself. With the right information and legal representation, you can ensure that you receive the compensation you deserve.

You can also write for us on car insurance.

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