Questions and Answers
What should I do if the other driver does not have insurance?
If the other driver caused the accident and is not insured, your own policy will
pay for your personal injuries - if you have "uninsured motorist or medical payments"
coverage. If the other driver's insurance is not enough to pay for all of your damages,
your own insurance may pay the difference - if you have "underinsured motorist" coverage.
If you do not have these kinds of insurance or if your damages are more than the
policy's limit, you can sue the other driver. However, even if you win the case, you
cannot be sure that the other driver has the money to pay.
If you have collision insurance, it will pay for damage to your car, no matter who
is at fault.
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