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How Does Uninsured Car Insurance Work?

If you have been in a car accident, and the other driver was at fault, you may end up making a claim under the uninsured motorist or underinsured motorist provisions of your own automobile insurance policy. This provision of your auto policy come into play when the at-fault driver either has no insurance coverage, or insufficient insurance coverage, to pay for the bodily injuries and/or property damage you experienced as a result of the car accident. Read on to learn more about UI and get multiple car insurance quotes from our website.

@ autoThe purpose of uninsured motorist coverage is to pay for your medical bills and property damage expenses in the event the at-fault party in your car accident case does not carry any automobile liability insurance.

In a situation like that, you may choose to sue the at-fault driver. Perhaps they are independently wealthy and can simply write a check to cover your bills and expenses. This is pretty unlikely, since people who choose not to carry liability insurance are rarely sitting on substantial assets. And as the saying goes, you can’t get blood from a stone, so your better course of action is probably to make a claim under the uninsured motorist provision of your own auto policy.

Chances are, you will know on the date of the accident whether the at-fault party has liability insurance. If the police investigate the accident, they will inquire into the insurance coverage details for every driver involved. If the at-fault driver does not have coverage, the police will likely inform you of this. If the police do not investigate your accident (in most cases, they should), you should still exchange insurance information with the other driver. If the other driver confesses a lack of insurance coverage, that is your cue to immediately make an uninsured motorist claim on your own auto policy.

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