Will my insurance cover an accident with an uninsured driver?
"Will my insurance cover my vehicle damage if I was declared not at fault in an accident? I only have liability insurance and the other driver is uninsured."
“Whether you car insurance will cover the damage to your car will depend on what coverage is on your policy.
Uninsured motorist coverage covers damage to your vehicle or injuries when you’re in an accident with an uninsured driver. Depending on where you live, this is often a requirement for state minimum car insurance.
Without uninsured motorist coverage, your insurance won’t cover damages. You may be able to file a lawsuit against the uninsured driver for the damage done to your vehicle.
While this can be a long process, you may be able to settle for the repairs of your vehicle.”
MORE: Types of Insurance
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Will my car insurance rates decrease after I turn 21?
I'm hoping for cheaper car insurance after my 21st birthday. How much will my rates actually decrease?
May 24, 2021
Can a college student qualify for a car loan?
I've started college and I need a car to commute to my part-time job. Do lenders give money to students like me?
Mar 12, 2021