Yes, car insurance can provide coverage for damage caused by a driver with no insurance. The specific coverage you need to look for is called “uninsured motorist coverage” (UM). This coverage protects you when you’re involved in an accident with an uninsured or underinsured driver.

What to do after the incident?

If you’re involved in an accident with an uninsured driver, follow these steps:

  1. Gather information: Obtain as much information as possible from the other driver, including their name, contact details, and license plate number.
  2. Contact the authorities: Report the accident to the police and provide them with all the relevant information.
  3. Notify your insurance company: Contact your insurance provider and inform them about the accident with an uninsured driver. They will guide you through the claims process and provide the necessary forms and information.

Does a claim for an accident caused by an uninsured driver impact your insurance rates?

Making a claim for an accident caused by an uninsured driver should not directly impact your insurance rates if you have uninsured motorist coverage. However, it’s important to review your policy and check with your insurance provider for specific details regarding rate adjustments.

Tips for dealing with uninsured drivers

To protect yourself from potential accidents involving uninsured drivers, consider the following tips:

  1. Verify your uninsured motorist coverage: Ensure that you have sufficient uninsured motorist coverage to protect yourself in case of an accident with an uninsured driver.
  2. Document the incident: Take photos of the damage to your vehicle and gather any available evidence, such as witness statements or police reports, to support your claim.
  3. Consult legal advice: In some cases, it may be necessary to seek legal advice to navigate the claims process and ensure you receive fair compensation.

By having uninsured motorist coverage and following these tips, you can better protect yourself from the financial burden of an accident with an uninsured driver.

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