Do Insurance Companies Go After Uninsured Drivers?

Driving without insurance is not only illegal but also puts you at risk of financial ruin in case of an accident. But what if you get hit by an uninsured driver? Will your insurance company take action against them? In…

Driving without insurance is not only illegal but also puts you at risk of financial ruin in case of an accident. But what if you get hit by an uninsured driver? Will your insurance company take action against them? In this article, we’ll explore the ins and outs of insurance companies going after uninsured drivers and what it means for you as a driver.

Do Insurance Companies Go After Uninsured Drivers?

Do Insurance Companies Go After Uninsured Drivers?

Driving without insurance is not only illegal, but it can also be financially devastating if you are involved in an accident. Even if you are not at fault, you may be held liable for damages and injuries caused in the accident. But what happens if an uninsured driver causes an accident? Will insurance companies go after them for damages?

Uninsured Motorist Coverage

Uninsured motorist coverage is a type of car insurance that protects drivers who are hit by uninsured drivers. This coverage can help pay for damages and injuries caused by the uninsured driver. In some states, uninsured motorist coverage is mandatory, while in others it is optional.

If you have uninsured motorist coverage, your insurance company may try to recover the costs from the uninsured driver. This process is known as subrogation. Your insurance company may take legal action against the uninsured driver to recover the money they paid out for your damages and injuries.

Legal Action Against Uninsured Drivers

If you are hit by an uninsured driver, you may be able to take legal action against them to recover damages. However, if the uninsured driver does not have any assets or income, it may be difficult to recover any money from them.

In some states, uninsured drivers may also face legal penalties for driving without insurance. These penalties can include fines, license suspension, and even jail time in some cases. Insurance companies may also report uninsured drivers to the Department of Motor Vehicles, which can result in additional penalties and fines.

Benefits of Uninsured Motorist Coverage

Having uninsured motorist coverage can provide peace of mind knowing that you are protected in case you are hit by an uninsured driver. This coverage can help pay for damages and injuries caused by the uninsured driver, and it may also cover lost wages and other expenses related to the accident.

Uninsured motorist coverage is also relatively affordable compared to other types of car insurance. It can be a worthwhile investment for drivers who want to protect themselves and their passengers in case of an accident.

Uninsured Drivers vs. Underinsured Drivers

It’s important to note that uninsured drivers are not the same as underinsured drivers. Underinsured drivers have insurance, but their coverage limits may not be enough to cover all of the damages and injuries caused in an accident. In this case, uninsured motorist coverage may also help pay for the remaining costs.

It’s important to review your insurance policy and make sure that you have enough coverage to protect yourself and your passengers in case of an accident with an uninsured or underinsured driver.

Conclusion

Driving without insurance is not only illegal, but it can also be financially devastating if you are involved in an accident. If you are hit by an uninsured driver, uninsured motorist coverage can help pay for damages and injuries caused by the uninsured driver. Insurance companies may also try to recover the costs from the uninsured driver through subrogation.

It’s important to review your insurance policy and make sure that you have enough coverage to protect yourself and your passengers in case of an accident with an uninsured or underinsured driver. By investing in uninsured motorist coverage, you can have peace of mind knowing that you are protected in case the unexpected happens on the road.

Frequently Asked Questions

Here are some common questions people have about insurance companies and uninsured drivers:

What happens if I get into an accident with an uninsured driver?

If you get into an accident with an uninsured driver, you may still be able to receive compensation for your damages. Your own insurance company may cover the costs through your uninsured motorist coverage. However, if you do not have uninsured motorist coverage, you may have to take legal action against the other driver to collect damages.

Insurance companies may also try to recover damages from the uninsured driver themselves, but this can be difficult if the driver has limited assets or income.

Will my insurance rates go up if I am hit by an uninsured driver?

If you have uninsured motorist coverage, your insurance rates should not go up if you are hit by an uninsured driver. However, if you do not have this coverage and have to file a claim with your own insurance company due to the accident, your rates may go up.

It is important to note that insurance companies cannot raise your rates solely because you were involved in an accident with an uninsured driver, as this is considered a non-fault accident.

What if I am the uninsured driver in an accident?

If you are the uninsured driver in an accident, you may be held personally responsible for any damages or injuries you caused. This means that you may have to pay for the other driver’s damages out of pocket or through a court order.

In addition, your license may be suspended or revoked, and you may be required to carry an SR-22 form, which is a type of high-risk insurance.

Can an insurance company deny a claim if the other driver was uninsured?

If you have uninsured motorist coverage, your insurance company should cover the costs of an accident with an uninsured driver. However, some insurance policies may have exclusions or limitations on this coverage.

If you do not have uninsured motorist coverage and the other driver was uninsured, your insurance company may deny your claim or only cover a portion of the damages.

Do insurance companies go after uninsured drivers for damages?

In some cases, insurance companies may try to recover damages from uninsured drivers, but this can be difficult if the driver has limited assets or income. In general, insurance companies are more likely to go after drivers who have some form of insurance or assets to cover the damages.

If the uninsured driver caused a significant amount of damages or injuries, the insurance company may also take legal action against the driver to collect the debt.

Can I sue an uninsured driver?


In conclusion, insurance companies do have the legal right to pursue uninsured drivers who cause accidents. If you happen to be an uninsured driver involved in an accident, you may be held personally responsible for any damages and injuries caused. It’s important to note that driving without insurance is not only illegal, but it also puts you and others at risk.

To avoid finding yourself in a situation where you’re being pursued by an insurance company, it’s recommended that you obtain car insurance. Having car insurance is not only a legal requirement in most states, but it also protects you and others in the event of an accident.

In the end, it’s better to be safe than sorry. If you’re currently uninsured, start looking for insurance options that fit your budget and needs. By doing so, you’ll not only be obeying the law but also protecting yourself, your passengers, and other drivers on the road.

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