Expert Advice for Uninsured Drivers
All Articles on Uninsured Drivers
What Is Stacked Uninsured Motorist Coverage in Florida?
Florida stacked uninsured motorist coverage can combine your policy limits from different vehicles to increase your coverage. Here’s what to know.
Melanie Krieps Mergen
What If Someone Hits My Car and I Don’t Have Insurance?
If you get into a car accident without insurance, penalties include a possible license suspension and fines, along with paying the other driver’s damages.
Underinsured vs. Uninsured Motorist Coverage: What's the Difference?
The difference between uninsured and underinsured drivers is whether they carry liability insurance—that’s why buying UM/UIM coverage is important!
Can You Go to Jail for Driving Without Insurance?
Depending on what state you’re in and what the circumstances are, driving without insurance could land you up to one year of jail time.
Can You Get Arrested for Driving Without Car Insurance?
Drivers caught without insurance can face jail time since it’s a misdemeanor in most states. However, it depends on the circumstances.
Can an Uninsured Driver Make a Claim?
If you aren’t at fault in an accident, and the at-fault driver has insurance, you can make a claim with that driver’s insurance company even if you’re uninsured.
Uninsured Motorist Coverage in South Dakota: Do You Need It?
South Dakota requires drivers to carry uninsured motorist coverage before hitting the road.
Uninsured Motorist Coverage in Alaska: Do You Need It?
Uninsured motorist coverage is not legally required in Alaska—but driving without it is risky!
Uninsured Motorist Coverage in Montana: Do You Need It?
You aren’t legally required to carry uninsured motorist coverage in Montana, but it is the law for insurers to offer it to you.
Uninsured Motorist Coverage in Wisconsin: What You Need To Know
If you're driving in Wisconsin, you’re required to carry uninsured motorist coverage.
Uninsured Motorist Coverage in New Hampshire: Do You Need It?
Uninsured motorist coverage is not legally required in New Hampshire—unless you’ve been charged with certain traffic offenses. Click here to learn more.
Uninsured Motorist Coverage in Idaho: Do You Need It?
Uninsured motorist coverage isn’t required in Idaho—but driving without it isn’t a smart move.
Uninsured Motorist Coverage in Maine: Do You Need It?
Uninsured motorist coverage is legally required in Maine—but you may choose to pad your policy with higher amounts to optimize your protection.
Uninsured Motorist Coverage in the District of Columbia: Do You Need It?
To meet the minimum insurance requirements in the District of Columbia, all drivers must purchase uninsured/underinsured motorist coverage.
Uninsured Motorist Coverage in Kentucky: Do You Need It?
Kentucky doesn’t legally require drivers to carry uninsured motorist coverage, but that doesn’t mean you don’t need it.
Uninsured Motorist Coverage in West Virginia: Do You Need It?
West Virginia drivers must have uninsured motorist coverage as part of their minimum insurance requirements. Learn more here.
Uninsured Motorist Coverage in Georgia: Do You Need It?
Uninsured motorist coverage isn’t legally required in Georgia, but it’s protection you may want to have.
Uninsured Motorist Coverage in Michigan: Do You Need It?
Uninsured motorist coverage is not legally required in Michigan—but it's highly recommended given the state’s high population of uninsured drivers.
Uninsured Motorist Coverage in Washington State: Do You Need It?
Uninsured motorist coverage isn’t required in Washington State, but skipping it is taking on an enormous risk.
Uninsured Motorist Coverage in California: Do You Need It?
Uninsured motorist coverage might not be a legal requirement in California—but driving without it is seriously risky business.
Uninsured Motorist Coverage in Missouri: Do You Need It?
Missouri requires uninsured motorist insurance by law, but understanding the coverage and its limitations can be complex.
Mary Alice Morris
Uninsured Motorist Coverage in Arizona: Do You Need It?
Drivers aren’t required to carry uninsured motorist coverage in Arizona, but not investing in it can mean treading into risky territory.
Uninsured Motorist Coverage in Virginia: Do You Need It?
Virginia requires some uninsured/underinsured motorist coverage if you choose to buy insurance, but is it enough to protect you after an accident?
Uninsured Motorist Coverage in Pennsylvania: Do You Need It?
Uninsured motorist coverage isn’t a legal requirement in Pennsylvania, but driving without it is unnecessarily risky.
Uninsured Motorist Coverage in Minnesota: Do You Need It?
Uninsured motorist coverage is a legal requirement for all Minnesota drivers.
Uninsured Motorist Coverage in Arkansas: Do You Need It?
Uninsured motorist coverage isn’t a legal requirement in Arkansas—but it’s still worth considering.
Uninsured Motorist Coverage in Virginia: Do You Need It?
Uninsured motorist coverage isn’t a legal requirement in Virginia—but it’s definitely worth having.
Uninsured Motorist Coverage in Alabama: What You Need To Know
Keeping uninsured/underinsured motorist coverage on your insurance policy can save you from steep costs down the road in Alabama.
Uninsured Motorist Coverage in New York: Do You Need It?
New York requires that all car insurance policies include uninsured motorist coverage, but underinsured motorist coverage is optional!
Uninsured Motorist Coverage in Tennessee: Do You Need It?
Tennessee doesn’t legally require drivers to carry uninsured motorist coverage, but that doesn’t mean you don’t need it.
All Questions on Uninsured Drivers
How do you report someone driving with no car insurance?
I am interning at a school and have a troublesome student who I overheard bragging about never purchasing car insurance. I want to avoid causing more conflict between us but make sure he understands how dangerous and expensive that could be. Is there a way I can report him for driving without car insurance?
How do you check if a car has insurance?
I was in an accident yesterday, but the other driver and I didn’t exchange information. How do I check to see if they have car insurance?
How can I check if a car is insured for free?
A few days ago, my car was parked in front of my house, and someone hit it and ran off. Thankfully, my neighbors were outside at the time and caught the guy’s license plates. Is there a free way I can check if the person who hit me is insured?
Do you have to pay your deductible before your insurance pays out for any claims?
My car was hit by an uninsured driver. I have to submit a claim for damage done to my vehicle. I have uninsured motorist coverage, but do I still need to pay my collision deductible?
Is car insurance mandatory in every state?
Do I need auto insurance no matter where I move in the U.S.?
How do you handle a car accident without insurance?
I don’t have car insurance, but I live in New Hampshire where it’s not illegal to drive without it. What do I do if I get in an accident?
How do I buy car insurance for a new car?
My husband and I are looking around for a new car. This is our first new car and we want the proper protection. How do we buy car insurance for a new car?
What happens if you are caught driving without a license?
I don't have my license yet, but I know how to drive. I have a car I'm able to drive to work. What would happen if I get caught driving without a license?
What are the consequences of driving without a license in Connecticut?
I am 14 and don't have my permit yet. I've been taking my sister's car to practice driving. What could happen if I get pulled over?
Is it illegal to drive another person's car if they have insurance and you don't?
Is it okay to drive another person's car if I don't have insurance? I sometimes need to drive my boss's car. I know she has car insurance (or I'm pretty sure she does), but I don't since I don't own my own car.
What will happen to the uninsured driver who hit my car?
Will the uninsured driver have any consequences for driving without insurance? I was involved in an accident a few weeks back. An uninsured driver drove through a red light and t-boned my car. Thankfully, all of my damages were covered by my uninsured motorist coverage, but it had me thinking.
Am I covered if someone else is driving my car?
I let my partner borrow my car the other day, and he got into an accident. There’s quite a bit of damage, and I’m going to have to file a claim, but will I be covered since I wasn’t the one driving?
How do I check when my car insurance runs out?
Where can I check to find out when my car insurance runs out? I don't remember when it expires, but I'm worried it might be soon.
What can I use as a defense for driving without ever having a driver's license and no insurance?
I got into an accident in Muscle Shoals, Alabama. I have no other traffic violations, but I am on probation for chemical endangerment. Is there a defense I can use for driving without a license or insurance?
Can I get in trouble if I take my parents' car without their permission?
I'm 16 and want to get my permit. My parents won't let me practice driving yet. I'm considering taking their car to practice at night. What could happen if I take their car without permission?
Will my insurance cover me if my car is parked in front of my house facing the wrong direction?
I usually park my car in front of my house facing the wrong direction, so the cars on my street drive towards the front bumper. If my car gets hit in the front, will my insurance still cover me?
What are the consequences for driving without insurance?
If you're caught driving without car insurance, what can happen to you?
How do I find out if someone has a car insurance policy?
Can I look up someone else's insurance information somehow? Someone hit my car, then they drove off before I got their information. I'm worried that they don't have insurance or something.
How do you sue someone with no car insurance?
I was in an accident with an uninsured driver. I was injured and my car is damaged. How can I sue the other driver for damages?
How do I find out if someone else has car insurance?
I was in a two-vehicle collision this morning. The other driver refuses to exchange insurance information, but I have his name and license number. Is there a way to find out if he has car insurance?
Am I covered driving someone else’s car?
I was out with my friend the other night, and she got pretty drunk, so I had to drive her car home for her. I hadn’t been drinking, so I was totally sober. But I couldn’t help but wonder if I would have been covered by insurance if I got into an accident driving her car.
How do I buy a car without insurance?
I currently don’t have insurance. I was planning to get some after I got a car. Is this possible? Is there a way to get car insurance fast?
Should I bother trying to sue the uninsured driver who hit my car?
Is it worth suing an at-fault, uninsured driver? Last week an uninsured driver hit my 2009 Ford Focus while it was parked. Since my car is so old, I don't have collision coverage to get it fixed. The repairs will cost around $2000.
How do I tell if a car is insured or not?
I'm trying to figure out if a car has insurance. I was in an accident and the driver wasn't able to show proof of insurance. They said they have it, but I want to verify it. How would I tell if they have insurance?
How do I get around having car insurance?
Car insurance is really expensive, and I don't want to get it if I don't have to. Is there any way that I can get around having it?
How can you be insured to drive any car?
My parents ask me to help run errands for our elderly relatives. Once a week, I go out with them and drive their car. This means I’m driving multiple cars frequently. How do I make sure I’m insured no matter what car I’m driving?
Do you have to have a license to drive in Michigan?
I'm 16 and don't have my license. I know how to drive, but I haven't been able to pass my driving test. Can I still drive?
How do I get a car without insurance?
How do I go about buying a car without insurance? I don't want to buy car insurance yet, but I really need a new car.
What happens if I cause an accident and don't have insurance?
What would happen if I caused an accident when I didn't have insurance? I accidentally let my policy lapse a few months ago. Everything is okay now since I have a new policy in place. But how bad could it have been if I didn't get a new policy?
Can I get in trouble if I drive without an adult in Iowa?
I recently got my permit. My parents said I can only drive on specific days and times. I want to practice driving more. Would I get in trouble if I drive alone?
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