Every state has laws that require vehicles driven in the state carry a minimum amount of insurance, or Financial Responsibility, even if your vehicle is parked. Drivers must carry evidence of financial responsibility in their vehicle at all times and it must be provided as specified below when requested by law enforcement,
renewing vehicle registration, or when the vehicle is involved in a traffic collision. Despite this requirement, there is always the possibility of being involved in an auto accident with an uninsured or under-insured motorist.
If the vehicle you are driving is struck by an uninsured motorist, you have the option of using coverage under your own auto insurance policy. This will only be applicable, however, if you carry uninsured motorist coverage. It is worth noting that, unless you have specifically waived it, most policies of insurance carry this coverage.
Uninsured motorist coverage only applies when the other driver involved in the collision does not have any auto insurance. This type of coverage steps in and acts as though the other driver had coverage (in the amount you have chosen to carry). Like any coverage, uninsured motorist coverage will generally cover the following:
- A loss of income or future earning capacity,
- Physical injury and pain,
- Physical disfigurement,
- Emotional distress and suffering,
- The loss a quality of life,
- Medical expenses, and/or
- Medical care and post-accident therapy.
If you have paid the premiums for having uninsured motorist coverage, then you should be able to file a claim that can help you cover the costs associated with the crash and injuries sustained. If you have been involved in an auto accident where the other party did not carry auto insurance, you may consider filing an uninsured motorist claim. Many states have no-fault laws, and in cases of crashes, each driver or his/her insurance pays for that driver’s and his passengers’ injuries or damages, matter who is at fault.