As a driver, you are required by law to have auto insurance. However, not everyone abides by this law, and accidents involving uninsured drivers are unfortunately quite common. To help protect drivers from potential financial ruin in these situations, many states have established the uninsured drivers agreement.
The uninsured drivers agreement is essentially a contract between you, as the insured driver, and your insurance company. It states that if you are involved in an accident with an uninsured driver, your insurance company will pay for damages and injuries sustained, up to a certain amount. This agreement is typically included in your auto insurance policy.
So, what happens if you get into an accident with an uninsured driver? First and foremost, make sure you and any passengers are safe and call the police. It’s important to get a police report documenting the accident, as this will help you when you file a claim with your insurance company.
After the accident, contact your insurance company and let them know what happened. They will likely ask for the police report and any other relevant information to process your claim. Your insurance company will then attempt to collect damages from the uninsured driver, either by filing a lawsuit or through other means.
If the uninsured driver is found at fault for the accident, they may be required to pay for damages and injuries themselves. However, if they are unable to pay or cannot be located, your insurance company will be responsible for covering the costs.
It’s important to note that not all states have uninsured drivers agreements, so it’s crucial to check your policy and state laws to understand your coverage.
In addition to an uninsured drivers agreement, you may also want to consider adding uninsured/underinsured motorist coverage to your policy. This will protect you in the event that you are involved in an accident with a driver who is either uninsured or does not have enough insurance to cover the damages.
In conclusion, the uninsured drivers agreement is an important protection for drivers. While no one wants to get into an accident, it’s reassuring to know that you have coverage in the event that the other driver does not. If you have any questions or concerns about your coverage, be sure to reach out to your insurance company.