You vs Your Insurer vs Uninsured Driver

The sole purpose of purchasing an auto insurance policy is to get protection from damages or losses during a car accident. Most people are yet to see the full benefits of this policy until they are involved in an accident. Car accident occurs every day and can happen to anyone. For this reason, there is no way to totally avoid it; unless you are the only driver on the road.

Usually we are well equipped on the steps to take when you are involved in an accident. Have you ever thought of what you would do if you discover the other driver doesn’t have any insurance policy? Exchanging insurance information is usually one of the foremost steps to take and dealing with an uninsured driver makes this a whole lot difficult. So we decided to ask a professional auto insurance agent to briefly explain how to go about this and what would happen in such a situation.

If the cause of the accident you sustain injuries, your insurer will take full responsibility for your medical expenses. If you have no injury but your car is damaged, then you would only be able to lay claim payments if you have collision insurance. This is usually a type of insurance policy under auto insurance you have the option of including to your policy package. If you have this coverage or anything similar to it, then irrespective of whether the other driver is insured or not, your insurer pays for the damages.