What happens if the other driver involved in the accident is not insured or has minimal coverage?

What happens if the other driver involved in the accident is not insured or has minimal coverage? To a certain extent, that depends on whether you have uninsured or under insured motorist coverage. If the other party has no insurance…

What happens if the other driver involved in the accident is not insured or has minimal coverage?

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What happens if the other driver involved in the accident is not insured or has minimal coverage?

To a certain extent, that depends on whether you have uninsured or under insured motorist coverage. If the other party has no insurance and you have uninsured motorist coverage, then your claim is made against your own insurance policy, and you are adequately covered, depending upon what your limits are. There is no negative effect on your own coverage or your rates by making that type of claim. The other type of claim would be under insured, so if your case is worth, for example, $100000 but there’s only $15000 available from the other side, if you have under insured motorist policy coverage for more than 15, then you would also be able to have a recovery for the difference between those two policy limits.

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