As a responsible driver, you have the right car insurance to protect yourself and others in the event of an accident, but others may not be so diligent. If you’re in an accident with an uninsured driver, the process of repairing your car can be a bit different. The team at Somers Agency, serving Lorain County, OH, wants to help. They explain what happens if you’re in an accident with an uninsured driver.
What Happens if a Driver Doesn’t Have Car Insurance
When you register your vehicle, you’re legally required to present a valid car insurance policy at the time of registration. However, some drivers let their insurance lapse after registration and continue to drive without coverage. If you’re involved in an accident with an uninsured driver, the first thing you’ll need to do is speak with your insurance company. If you have the proper coverage, you can file a claim and get your car repaired quickly.
However, if you want the other driver to cover the cost of repairs, you’ll need to work it out with them. While some uninsured drivers will admit fault and work with you to cover the repairs, others may fight you on it. In these instances, you’ll need to file a lawsuit against the uninsured driver. Keep in mind that you may not recover much since many uninsured drivers simply don’t have the money in the first place.
How You Can Protect Yourself
The best way to reduce your out-of-pocket expenses in the event of a collision is to purchase uninsured driver coverage as part of your auto insurance policy. This allows you to file a claim with your insurance company and get the repairs taken care of in a timely manner. You can still petition to have the cost of your deductible covered by the uninsured driver, but you won’t have to wait to get your car into the shop.
Let the experienced insurance agents at Somers Agency help you find the best car insurance for your needs. Their team will work to help you find the coverage you need at a price you can afford, whether you’re buying a single auto insurance policy or looking to bundle your coverage with your homeowners’ insurance. Learn more about their coverage areas online and call (440) 324-3447 for a free quote today.