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What happens when you’re in an accident without insurance?

On Behalf of | Nov 22, 2021 | Car Accidents

Most states require that drivers have at least a minimal amount of car insurance. It is largely illegal to drive uninsured, and most drivers are required to purchase liability insurance that covers damages and injuries that they’re at fault for in an accident. However, the Insurance Information Institute estimates that over 12% of drivers didn’t have insurance in 2019. If you’re a California resident, here are some important things to know about motor vehicle insurance and the consequences you could face.

Driving uninsured

Motor vehicle accidents can range from a minor fender bender to a devastating and life-changing collision. Most people know that there are consequences for driving without insurance and causing an accident. However, you could face repercussions even if you’re uninsured and involved in an accident that wasn’t your fault.

At-fault accidents without insurance

Depending on all the factors associated with your accident, you could be deemed liable for the collision. If the police are called, they will help determine who is at fault. Any insurance companies involved with work to determine liability as well. Sometimes, it is clear which party is responsible for the wreck, but things are more complicated in other cases. If you’ve failed to get insurance and you’re involved in an accident, you could face serious consequences.

The aftermath of an accident

If you don’t have insurance, you’ll usually be responsible for paying for any damages you caused as a result of the collision. You may have to repair the property or pay to have the victim’s car repaired or replaced. You will also have to pay the medical bills for the driver or passengers who were hurt in the accident. If you’re unable to pay, the other driver could file a lawsuit, and you’ll have to cover the legal fees. To avoid these costly consequences, make sure you carry liability insurance.


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