Expert Advice for Uninsured/Underinsured

All Articles on Uninsured/Underinsured

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.
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Mariza Morin
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!
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Andrea Barrett
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.
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Cameron Thiessen
Uninsured Motorist Coverage in South Dakota: Do You Need It?
South Dakota requires drivers to carry uninsured motorist coverage before hitting the road.
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Sarah Williams
Uninsured Motorist Coverage in Alaska: Do You Need It?
Uninsured motorist coverage is not legally required in Alaska—but driving without it is risky!
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Sarah Williams
Uninsured Motorist Coverage in Iowa: Do You Need It?
It’s not illegal to drive in Iowa without uninsured motorist coverage, but you may still want it for extra protection on the road.
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Meaghan Branham
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.
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Mary Cahill
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.
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Mariza Morin
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.
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Alison Daurio
Uninsured Motorist Coverage in Rhode Island: Do You Need It?
Uninsured motorist coverage isn’t legally required in Rhode Island, but purchasing higher liability limits does make it mandatory.
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Andrea Barrett
Uninsured Motorist Coverage in Hawaii: Do You Need It?
Uninsured motorist coverage isn’t required in Hawaii—but driving without it isn’t a smart move.
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Jason Tushinski
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.
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Maxine Boyko
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.
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Sarah Gray
Uninsured Motorist Coverage in Louisiana: Do You Need It?
Louisiana doesn’t require drivers to carry uninsured motorist coverage, but it's a wise idea with nearly 14% of drivers uninsured.
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Andrea Barrett
Uninsured Motorist Coverage in North Carolina: Do You Need It?
Uninsured motorist coverage is part of North Carolina’s required legal minimum car insurance coverage.
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Amber Reed
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.
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Amber Reed
Uninsured Motorist Coverage in Massachusetts: Do You Need It?
The amount of required uninsured motorist coverage is low—should you get extra to protect yourself after an accident? Here are the pros and cons.
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Cassandra Hamilton
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.
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Rob Shapiro
Do You Need Uninsured Motorist Coverage in Kansas?
All Kansas drivers must have uninsured motorist coverage—along with liability coverages and personal injury protection.
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Macy Fouse
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.
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Jason Tushinski
Uninsured Motorist Coverage in Oregon: Do You Need It?
Uninsured motorist coverage is a legal requirement in the state of Oregon.
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Amber Reed
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.
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Amber Reed
Uninsured Motorist Coverage in Connecticut: Do You Need It?
Connecticut traffic law requires drivers to have uninsured/underinsured motorist coverage in addition to a liability insurance policy.
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Mary Cahill
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.
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Pat Roache
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.
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Mary Alice Morris
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?
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Cassandra Hamilton
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.
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Andrea Barrett
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.
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Sarah Williams
Uninsured Motorist Coverage in Illinois: Do You Need It?
Illinois drivers are required by law to have uninsured and underinsured motorist coverage. Learn more here.
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Rob Shapiro
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.
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Maxine Boyko

All Questions on Uninsured/Underinsured

What happens if you get into an accident without insurance?
What will happen if I injure someone in an accident and I don't have insurance? I don't currently have insurance.
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Emily Maracle
What happens if an uninsured driver is at fault in an accident in New Hampshire?
Can anything happen to you since you aren't required to have insurance? Do you have to pay for any damage or injuries you cause?
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Emily Maracle
How does location affect car insurance?
I work from home now and have been saving up to buy a house. I realized that I could go anywhere because I work from home, and that's so exciting to me. While I'm figuring out my pros and cons list, I figured I'd also consider other fees. How does location affect car insurance?
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Lauren Smith
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?
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Jack Walsh
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?
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Will Baldwin
What happens if a stolen car hits you?
I was hit from the side at a traffic light and when the driver pulled over, he exited the car and took off running! It turns out the car that hit me was stolen—what happens now?
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Mary Cahill
Is car insurance mandatory in every state?
Do I need auto insurance no matter where I move in the U.S.?
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Alexah Grinnell
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?
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Lauren Smith
How do you check if someone has car insurance?
I got into an accident and was in shock, so I can't remember if the other person had car insurance. How can I check if they have car insurance?
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Lauren Smith
How do I get someone else's car insurance information?
I was in a collision for the first time. I was very frazzled, and did not exchange insurance information with the other driver. How do I get someone else's car insurance information?
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melanie reiff
How do I protect myself from uninsured drivers?
How can I protect myself and my new car if the other driver doesn't have insurance? I'm scared I'm going to get in an accident with someone who isn't insured.
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Emily Maracle
What happens if another driver doesn't have insurance?
What do I do if I got into an accident with someone who is uninsured? They hit me and I'm not at fault.
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Emily Maracle
What happens if you get into a car accident with someone in Virginia who doesn't have insurance?
Are you supposed to call the police if you're in an accident? I know that insurance isn't required for some people. Would that impact coverage for an accident?
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Emily Maracle
What's the difference between uninsured and underinsured motorist coverage?
Why do I need both uninsured and underinsured coverages on my policy? It seems like they cover the same things.
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Emily Maracle
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?
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Emily Maracle
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?
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Nick Kunze
What are the consequences of driving without insurance in Wisconsin?
What would happen if I was caught driving without insurance or got into an accident?
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Emily Maracle
Can traffic police ask me for proof of insurance during a routine stop in North Carolina?
Can traffic cops stop me and ask for my car insurance? If I get pulled over in North Carolina, for example, is this a possibility I should prepare for?
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Sophie Newman
Does uninsured motorist coverage normally have a deductible?
If I had to submit a claim after being hit by an uninsured driver, would I have to pay a deductible?
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Emily Maracle
How common is it for people to not have car insurance?
Is driving without car insurance common? I thought it was against the law in New Mexico, but I know people who drive without insurance.
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Emily Maracle
What state has the lowest percentage of uninsured drivers?
Is there a state that has a low percentage of uninsured drivers? How does that compare with the national average?
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Emily Maracle
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?
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Shannon Martin
How can I report someone driving without car insurance?
My coworker has been driving without insurance. I've ridden in the car with him before and they are a terrible driver. I'm worried they're going to seriously injure someone. How can I report them for driving without insurance?
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Emily Maracle
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.
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Emily Maracle
How do I find out if a car has insurance?
I was recently in an accident. I was rear ended, but the car sped off. I got the license plate number and filed a police report. Although the police are investigating, I'd still like to find out if the car has insurance. How could I find that out?
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Emily Maracle
How do I report a car without insurance?
I'd like to know how to report a car without insurance. I overheard my neighbor saying his son is uninsured, and he drives like a maniac through the neighborhood. How can I report his car if he doesn’t have insurance?
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Matthew Macgugan
Do I need uninsured motorist coverage in California?
There are so many different types of optional coverage that you can add on to your insurance policy! Is uninsured motorist coverage something I need to get?
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Jacqulyn Graber
Do I need uninsured motorist coverage in Georgia?
I recently moved to Georgia and need to switch over my car insurance policy. Is uninsured motorist coverage required in Georgia?
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Jacqulyn Graber
Do I need uninsured motorist coverage in Louisiana?
I’m moving to Louisana in a few months, and I want to be on top of my car insurance before I move. I’m aware that I need liability, but do I need uninsured motorist coverage?
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Andrea Barrett
Do I need uninsured motorist coverage in Michigan?
I’m moving to Michigan for school, and I would like to update my car insurance policy before I move. I know I need basic liability insurance, but is uninsured motorist coverage required in Michigan?
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Andrea Barrett

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