What If the At-Fault Driver Has No Insurance?

 Being hit by an uninsured driver is a nightmare scenario — who pays for your damages and medical bills? Thankfully, you still have options through uninsured motorist coverage or civil claims.

Uninsured Motorist (UM) Coverage:

• Covers injuries if the other driver has no insurance

• Required in some states

• Can include lost wages, pain and suffering, and medical expenses

Underinsured Motorist (UIM) Coverage:

• Helps when the at-fault driver has inadequate insurance

• Pays the difference between their limit and your total loss

If You Don’t Have UM/UIM Coverage:

• You may have to sue the driver personally

• But they might not have assets to recover

• You can explore MedPay (medical payments) or health insurance

Legal Action Options:

• File a personal injury lawsuit

• Seek small claims court (for low-cost damages)

• Garnish wages or assets (if judgment awarded)

Tip: Always add UM/UIM to your policy — it’s usually inexpensive but extremely valuable.

What Happens If You Drive Without Car Insurance?

 Driving without car insurance might save money short-term, but it can lead to serious legal and financial consequences. Every state (except New Hampshire and Virginia) requires drivers to carry minimum liability insurance.

Consequences of Driving Uninsured:

• Fines (ranging from $100 to $5,000)

• License suspension

• Vehicle impoundment

• SR-22 requirement (proof of future coverage)

• Jail time in some states (for repeat offenses)

If You Cause an Accident While Uninsured:

• You are personally responsible for all damages

• The other party may sue you directly

• Your wages or assets could be garnished

• You may face criminal charges

Caught Without Insurance but No Accident?
You’ll still likely face:

• Immediate ticket

• Points on your license

• DMV penalties

• Increased future insurance rates

What You Can Do:

• Look into state minimum coverage plans

• Explore low-income assistance programs

• Avoid driving until you’re properly insured

Tip: Insurance protects not just your wallet — but your freedom and future.