What Happens if You Get in an Accident Without Protection?

accident without protection

There is nothing wrong in getting a car, but there is everything wrong in staying behind those wheels without having an auto coverage. True. And it gets even worse when you happen to be involved in an accident, of which you’re later found guilty of not having a car coverage. Can I tell you a little secret about auto coverage?

Tip

In America, once you start driving a car without owning a car coverage, and you happen to be involved in an accident, you stand the risk of paying a huge number of fines plus, you could lose your driving license ultimately. So, what’s it going to be? And what’s the best-case scenario?

Well, the best-case scenario in such an instance would be if in the process of smashing your car with another, the only ones hurt are you, and your car. If that’s the case, then you won’t have to bother about anything as you can treat and repair your car at your own spare time.

On the other hand, if someone is involved, like you accidentally hit someone’s kid or a grown up person, they have the right to sue you to court. And trust me, you don’t want to be found guilty of not having a car protection in court because if you do, then a lot of fines awaits you, especially for damages caused to the person. Nevertheless, this is not applicable to U.S states with the no-fault protection. Under the no-fault kind of protection, the other driver’s coverage will be treated and provided for by the protection company. But, if the damage is more than what the coverage can cover, then you’ll have to pay for the remainder.

Car Coverage Legalities

Based on car protection in America, if the other driver was at fault in the accident and his car has been insured, for any damage done to your vehicle, you won’t have to worry about fixing it as the coverage will extend to both cars or yours, if it was the only one damaged.

However, that doesn’t mean you shouldn’t get a car protection. As a matter of fact, depending on the state, fines usually cost from $200-$5000 depending on the level of casualties, especially when you’re found guilty of not owning a car protection.

The Financial Responsibility Involved

When it comes to the financial responsibility of driving a car without an auto coverage, there seems to be a tradeoff. In other words, you may be allowed to drive around without buying an auto coverage only if you have a heavy account balance. And depending on the state in question, you will have to show some proof of your account statement or make deposits that could cost up to $35,000 in the Department of Motor Vehicles, like it is in California.

So What Happens if You’re Hit by a Driver Without Coverage?

In a case where you’re being hit by someone who is not covered by an auto coverage, you’ll have an upper hand. This is so because, you can choose to sue them for damages, although it may not be as smooth as I’ve just it.

Still, the other driver will be held responsible for paying your legal fees, repairs that will be made to your car, and any of your health bill that may need to be covered as a result of the accident. The only problem here is, you really need to be hopeful that the uninsured driver has the money to pay for those bills or else, you might just be wasting time suing them.

So, next time you want to get behind the wheels without buying an auto protection, think about the legal and financial harassments that await you.

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