Taking account of the uninsured motorists alone, this percentage means that about one in eight drivers on the road around you don’t have insurance. If you live in Mississippi, the state with the most uninsured drivers, then that number increases to nearly one in three. Do you feel comfortable not having any insurance protection against such a big percentage of drivers in case an auto accident happens?
WHAT HAPPENS AFTER AN UNINSURED MOTORIST ACCIDENT?
If an uninsured motorist hits you, and you don’t have UM insurance, then you can only sue them directly for compensation. However, most drivers who don’t have insurance also don’t have any savings or assets that could be used to pay your damages. You’ll have to take them to court, and the legal battle will be an uphill one because courts don’t like ordering people to lose everything that they have to pay a debt, even if they would be paying someone that they hurt due to their negligence.
If an uninsured motorist hits you, and you do have UM insurance, then the situation is different and a bit better. You can file against the UM policy that you bought from your auto insurance provider. They should cover your damages up to the policy’s cap. It might not be everything, but it is infinitely better than getting nothing at all.
Keep in mind that UM insurance isn’t included in most policies. You have to buy it as an add-on. If you aren’t sure if you have it, then you should review your policy today.
Need help with a UM driver accident in California? Omega Law Group is the firm to call. Get our attorneys on your side today. We have offices in Beverly Hills, San Francisco, and Fresno.
- “Facts + Statistics: Uninsured Motorists” (2019) – Insurance Information Institute