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.

Answer
“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.”
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Emily Maracle
Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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