It’s one of those unwritten rules of driving–the first time you get into a really bad accident, the driver who causes it will be uninsured. It’s surprising that there are so many uninsured drivers on the road, since most states have some sort of mandatory insurance laws, usually with stiff penalties for uninsured drivers. Still, there are a lot of people driving without insurance and it’s important to learn how to keep yourself protected from them.
In terms of damage to your vehicle, the best way to protect yourself from uninsured drivers is to have collision insurance. Collision coverage will cover the cost of repairs to your car after an accident, regardless of who is at fault or whether or not they have insurance. Collision insurance even keeps your car protected in the event of a hit and run accident or if you cause the accident yourself.
Car damage from an uninsured motorist can be frustrating and expensive, but physical injury to yourself or someone in your car can be catastrophic. The best way to protect yourself and your passengers from the medical costs and other expenses associated with an accident caused by a driver without insurance is to have uninsured motorist insurance. This coverage is specifically designed to pay for your medical expenses when the person who caused the accident that hurt you was not insured. Another good coverage to have is underinsured motorist insurance, since just because someone has insurance, it doesn’t necessarily mean that they will have enough coverage to pay for all of your costs.
It is important to note that in a "no-fault" insurance state, personal injury protection (PIP) insurance is an effective type of policy to have for paying for injury expenses that stem from an accident caused by an uninsured driver. Since fault is not assigned to a driver in a no-fault state, each person involved in the accident is basically responsible for their own injury expenses, either paying them out of pocket or with PIP insurance.
Uninsured drivers are a hazard on the road, just like potholes, wet pavement or drunk drivers, and a smart driver would be wise to learn how to prepare for them. With the right combination of collision, uninsured motorist and/or PIP insurance coverage, a driver can make sure that they are protected from at least the financial damage that uninsured motorists can cause.