What happens if you are uninsured and hit someone?

What happens if you are uninsured and hit someone?

If you’re hit by an uninsured driver but you have car insurance, you can file a claim under your uninsured/underinsured motorist coverage (UM/UIM). UM/UIM pays for your medical expenses and vehicle repairs if you’re hit by someone without insurance or not enough to cover the full extent of the damage.

Can I drive my husband’s car on his insurance?

Typically, even if the person driving your car has his or her own insurance, your insurance will be the primary payer for damages caused by your vehicle; but, the person driving your car has to be found legally at fault before your insurance will pay.

What happens if you get hit by an uninsured motorist?

Uninsured/underinsured motorist insurance coverage protects you if you’re hit by a driver that has no auto insurance or doesn’t have enough coverage to pay for the damages or injuries they’ve caused. About 13% of drivers don’t have auto insurance, according to the Insurance Information Institute.

What does underinsured motorist bodily injury pay for?

Underinsured motorist bodily injury (UIMBI): Pays for your/your passengers’ medical bills and injuries if you’re hit by a driver with not enough insurance.

What kind of insurance does an uninsured motorist have?

Depending on your state, uninsured/underinsured motorist insurance may be separate, combined together, or consist of up to four coverages: Uninsured motorist bodily injury (UMBI): Pays for your/your passengers’ medical bills and injuries if you’re hit by a driver with no insurance.

What happens if you drive without car insurance?

The uninsured driver may still have to pay penalties for driving without car insurance. If you live in a no-fault state, then getting into a collision with an uninsured driver doesn’t matter because you’re covered regardless of who is at fault.