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.”
Emily Maracle
Answered on Jul 28, 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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