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Does an uninsured driver automatically take fault in an accident?
Is an uninsured driver automatically at fault since they are breaking the law? I got into an accident with an uninsured driver.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Although it’s against the law in a majority of states to drive without
car insurance
, an uninsured driver isn’t automatically at fault in an accident. Whether you’re insured or not, the process of determining fault doesn’t change. You could still be at fault for an accident with an uninsured driver. Your insurance would also still pay out for any injuries or damages you may cause to them.
If the uninsured driver is at fault, you’ll need to have
uninsured motorist coverage
to protect yourself if you’re injured. If your vehicle is damaged, you’ll also need uninsured motorist property damage or
collision insurance
.”View full answer
- Gregory R.
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