Other Driver Doesn’t Have Insurance

Answer:

What do you do if the other driver doesn’t have insurance? Well, just the other day a potential client called our law firm and spoke to one of our attorneys about that. Here’s what our attorney said; in a situation where the other driver doesn’t have insurance, the most important question is to look at your own insurance and find out do you have full coverage or not? Almost everybody knows whether they have full coverage or not. That doesn’t quite answer the question, as our attorney explained to this potential client.

Once you know that you have full coverage, the next follow up question, our attorney explained, is do you have uninsured motorist coverage? Most people don’t know without checking whether they have that or not. By the way, for heaven’s sake, even if you have full coverage, if you’re not sure if you have uninsured motorist coverage, as soon as you finish watching this video, call your insurance agent and say do I have uninsured motorist coverage? If so, what is the amount?

Why is that so important? There are drivers out there, as we all know, who are driving without insurance. Your uninsured motorist coverage is the cheapest insurance you can get. It may only cost you $13 for 6 months. You can get $100,000 of coverage for maybe $20. It’s the only insurance that pays you if the other driver doesn’t have insurance.

It’s the cheapest and it’s the most important because your agent only makes $3 commission. They don’t make sure you have it all the time. You need to call and make sure that you have uninsured motorist coverage. If it’s after an accident, then call and find out. If you find out you don’t have it, let’s just put it this way; as the attorney was explaining, that’s not the end of the story, but it can be close to the end.

What the attorney explained is then we look at is there anybody in your household who has a vehicle with full coverage that has uninsured motorist or do you have another vehicle that has full coverage and has uninsured motorist? That’s the next place the attorney was telling the person to look. Believe it or not, if there is someone that lives in your household that has a vehicle with full coverage that includes uninsured motorist coverage, that often can cover you without affecting their insurance rates. That’s more complicated.

Make sure that you call and talk to one of our attorneys because they need to analyze your specific situation. At least I wanted to alert you to that possibility. That’s another reason to call our law firm and get a specific analysis of your situation, your insurance coverage. Remember, the call is free. The information is free. It may be priceless for your case. We really are here to help you out.