It’s a typical weekday morning. You’re commuting to work when suddenly, another vehicle rear-ends your car. Unfortunately, the other driver doesn’t have car insurance. It’s a common scenario that can result in the accident victim paying for their repairs and medical expenses. The encouraging news is that you can protect yourself from this scenario. Learn more about what actions you can take below.

Legal Implications

In most states, including Connecticut, drivers are required to have minimum liability coverage for their vehicles. This typically means car insurance that pays a certain amount for injuries and damage sustained by other drivers and passengers if you caused the accident. 

Connecticut drivers are also required to have uninsured/underinsured car insurance. The coverage pays for medical treatment for you and any passengers involved in an accident caused by an uninsured motorist.  

If you’re driving without car insurance in Connecticut, you may pay a minimum $200 fine and have your vehicle registration suspended. 

How to Financially Recover

Drivers involved in an accident with an uninsured motorist have some options available. They can file a claim with their own car insurance provider. Since Connecticut requires uninsured/underinsured coverage, they may be able to recover some of their damages. They can also sue the at-fault driver in civil court. It’s beneficial to have the required liability and uninsured/underinsured coverage in place before an accident occurs so that you’re not paying out of pocket.  

Getting behind the wheel without proper car insurance is not worth the risks. Action Auto Insurance Agency in New London, CT, specializes in helping clients get the coverage they need in case the unexpected happens. The insurance broker is able to shop on your behalf from some of the nation’s leading carriers for affordable rates. To get started with a free insurance quote, call (860) 444-7224 or request one online.