Quick Way To Know About Do Insurance Companies Go After Uninsured Drivers (2023)

In the united states, every driver especially car owners must buy car insurance. But most of the drivers drive on the road without any insurance. Drivers with insurance can protect themselves and others from several expenditures like medical bills and car repairs. If the driver has purchased the insurance, the insurance company will reimburse all the medical bills and amount required to mend the car that results from a vehicle accident. But in the opposite case, when one of the drivers involved in a vehicle accident doesn’t have car insurance, the point that comes to mind of the insured driver will be “Do Insurance Companies Go After Uninsured Drivers” Let your imagination explore, Read more

Do Insurance Companies Go After Uninsured Drivers

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If a car accident happened to a driver who had car insurance with a driver whose vehicle was uninsured and was also at fault, the insured car owner will have to take some legal steps and try to seek their insurer’s help.

Because if the other driver pays for the losses, the insurer will reimburse the damages legally. Some other peoples find car accident lawyers to cover the damages from at-fault uninsured drivers.

What Are Insurance Companies?

An insurance company is an intermediary which agrees with people who are seeking help for their risk management. These companies offer protection against future unforeseen events.

Two parties are involved in the agreement, one party is the insurance company itself and another party is a person or entity which buys the insurance policy.

According to the agreement the insurer or the insurance company will provide payments for the unforeseen event and in return, the policyholder needs to pay a specific amount of money in the form of premiums to the insurance company regularly.

Insurance companies are considered one of the protective financial sectors but it is a slow growing than others.

Insurance companies work on projects that help them to make successful strategies for failed businesses, their clients who died in paying payments, and inadequate administration decisions.

But the insurance companies do not work for the coverage of natural catastrophes and fires. The main purpose of an insurance company is to manage the risk by paying out the set amount of premiums to their customers according to the policy.

What Happens If You Are An Uninsured Driver?

If you are an uninsured driver and hit by an insured vehicle, the insurance company of the insured driver will pursue you to recover the loss. If you were at the fault in a vehicle accident, then definitely you will have to pay for the loss.

Despite that, if you have your vehicle insurance policy, you will be able to retrieve your expenses that result from vehicle collision and personal injury.

According to Statista, in the united states, most of the states have uninsured drivers. The highest percentage of uninsured drivers was found in Mississippi in 2015, typically it had the second-highest share of motorists without auto insurance in the united states at 23.7%. That percentage increased by 29.4 percent in Mississippi in 2019.

According to another study in 2019, one in eight drivers drives on the road without liability insurance. Some other states still have a higher number of uninsured drivers.

The uninsured drivers have to pay out the claims if they were involved in a vehicle accident with an insured driver.

So if you want to save your money, you will drive an insured car rather than an uninsured one because an insured vehicle can protect your hospital expenses and car mend costs.

How Do Insurance Companies Go After Uninsured Drivers?

Insurance companies go after uninsured drivers when they were responsible for the accident and liable for covering the loss.

Your insurer goes after the uninsured driver so recover your damage through the liability coverage of another driver.

You need to file your claim to your insurance company so that the insurance company can reimburse your loss from the uninsured liable driver.

Auto coverage for vehicle losses that result from the collision between two vehicles is called collision coverage. In collision coverage, the insurer is responsible for paying without considering who was at fault.

Typically in collision coverage, the insured driver collides with an uninsured driver. So If you file the claim first, your insurance company will indemnify your losses from the uninsured drivers.

Your property losses and physical injuries are covered under uninsured motorist or UM coverage if your accident happened with an uninsured driver.

The same thing is covered in underinsured motorist coverage or UIM but the main difference is the other driver insured. But the other driver’s coverage doesn’t sufficient to pay you the damages.

Your medical payment coverage is also covered by the liability insurance of other drivers. Luckily If you have medical payments coverage, your insurer will be liable for paying your medical expenses, and your insurer can also file a subrogation claim against your uninsured driver.

What is called subrogation? and How does a subrogation claim work?

When the insurer of a person attempt to reimburse the loss which is caused by an uninsured person in case of a car accident is called subrogation.

For example, if your car accident happened with an uninsured car, you will need to file a claim against the other driver.

So that you can get money for treatment of your injuries that are caused by someone else in the auto accident. And your insurance company is also legally responsible for indemnification from the at-fault individual.

If your subrogation claim is accepted, the insurance company of the at-fault individual will reimburse the loss. The whole process of subrogation is covered in several steps.

In the first step coverage matter, for instance, if your coverage is exact then you don’t need to worry too much because your insurance company will indemnify your losses even if the person was driving wrongly.

The second step is filing the subrogation claim. Your car insurance company will file a claim against the uninsured driver to recover the damages from car accidents.

In the third step, the uninsured driver has to pay out the charges which are defined in the subrogation claim to the insured driver’s insurance company.

Subrogation may be a tired means of little returns for uninsured drivers. Subrogation is something complicated for uninsured persons.

The phrase “get blood out of a stone” better suits uninsured drivers because if they can’t bear the expenses of car insurance, they won’t able to bear the expenses of reimbursements.

What Does UM or Uninsured Motorist Insurance Cover?

UM, or Uninsured motorist insurance will be covered your car losses and medical bills if your car accident took place with a driver who has no auto insurance. The other driver will cover your vehicle’s damages and physical injuries.

Whereas in Underinsured or UIM motorist insurance coverage, the driver has auto insurance but doesn’t have adequate coverage to retrieve the losses and injuries which are caused by them.

UM, or uninsured motorist coverage is not considered essential for each state. Driving without Uninsured motorist coverage will be risky for you and another driver.

According to Insurance Research Council (IRC), a study was conducted in 2021, which showed that one in eight drivers, or 12.6% of motorists were uninsured.

According to Insurance Information Institute, the percentage of uninsured drivers was 15.6% in 1992, 16.0% in 1993, 13.4% in 2000, and 12.6% in 2018 and 2019.

What Happened When You Are Hit By An Uninsured Driver?

When you are hit by an uninsured driver, the first and foremost thing you should do is filling the claim. Because whatever step you will take after an accident directly influences your claim.

The most important thing is to collect all the proofs regardless of whether the other driver is insured or uninsured. A few’s and Don’ts are listed here that the insured drivers must follow when they were hit by an uninsured driver.

  • First of all, you do should inform the police. So that the police investigate the whole event and report the accident.
  • The second thing you should do is inform your insurance company after the accident.
  • In the third step, you should visit the hospital for your medical checkup. So that If any physical injury occurs to you, you will recover it. You shouldn’t think too much about the claim.
  • You should mend your vehicle regardless of waiting for the claim. Because your vehicle is the source of daily conveyance.
  • You must hire a professional attorney after an accident. The attorney can handle your case in a much better way than you.

Things You Should Avoid

  • You must not confess your fault. Because if you accept your fault, the uninsured driver will refuse to payout the claim.
  • You should avoid handling your case by yourself and contact a lawyer for the settlement.
  • You should refuse to accept the offer of an uninsured driver from their out-of-pocket to recover your damage. once the offer is reviewed by the attorney you should accept it.

Filing a Lawsuit Against an Uninsured Driver

Yes, you can file a lawsuit against an uninsured driver after an accident. If you were not at fault, the at-fault driver was punished by the state for not having auto insurance.

These drives have to compensate for your injuries. Although you can file a lawsuit for your damages against the other driver, note the driver is not financially strong enough to buy auto insurance, how can compensate your claim?

Punishments For Uninsured Drivers

Uninsured drivers have to face punishments for not having auto insurance. If they drive on the road without insurance they will have to pay a fine of 100$ and 200$ with additional fees.

If the driver still violates the rules of the state and keeps driving without insurance, they will be fined about $200 and $500.

Moreover, the court can also confiscate the driver’s vehicle in case the driver doesn’t have insurance. And their license can be suspended and they need to pay fees for reinstatement of their license. Sometimes the drivers have to spend time in jail.

Can You Drive A Car Around Without Insurance?

As the car insurance has become mandatory in almost every state except Virginia and New Hampshire. So you can not drive without insurance as it is considered illegal.

Typically the duration for driving without insurance will be from one day to a few days. And if you were caught during this duration, you will have to face some harsh penalties.

So if you want to save yourself from these penalties, you should buy auto insurance before driving on the road. Each state has different penalties for drivers without insurance.

For instance, in California, Texas, Florida, and New York driving privileges and fines are different from each other. Additionally, If you’re caught more than one time, you may have to face some additional punishments.

Contact An Expert Personal Injury Attorney

If you are involved in a car accident with an uninsured driver, you should contact an expert personal injury attorney.

The professional attorney can guide you, secure your rights and assist you in getting the desirable compensation to cover your losses and injuries. Your insurer has several options to fight against the uninsured driver to attain your claim.

It’s up to you what you choose either uninsured motorist coverage adequate for your physical injuries coverage or you are considering filing a claim against an at-fault driver. Your personal injury attorney can assist you in choosing the right option.


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