An uninsured motor vehicle is a motor vehicle that is not covered by liability insurance. Liability insurance is required by law in most states, and it covers the policyholder for bodily injury and property damage caused to others in the event of an accident.
There are a number of reasons why a motor vehicle may be uninsured. For example, the owner of the vehicle may not be able to afford to purchase insurance, or they may have chosen not to purchase insurance because they are driving an older vehicle or because they have a good driving record.
If you are involved in an accident with an uninsured motor vehicle, you may be able to file a claim with your own uninsured motorist (UM) coverage. UM coverage pays for your medical expenses and other losses if you are hit by an uninsured driver or a driver who does not have enough insurance to cover your losses.
If you do not have UM coverage, you may be able to sue the uninsured driver in court. However, it is important to note that it can be difficult to collect damages from an uninsured driver, especially if they do not have any assets.
Here are some tips for protecting yourself from uninsured drivers:
- Make sure you have UM coverage on your auto insurance policy.
- Be aware of the signs of uninsured drivers, such as expired license plates or no insurance bumper stickers.
- Avoid driving in high-risk areas, such as at night or in bad weather.
- If you are involved in an accident with an uninsured driver, get as much information as possible, such as the driver’s license plate number and contact information.
By following these tips, you can help protect yourself from the financial consequences of an accident with an uninsured driver.