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Crash... But No Car Insurance? Dealing With Uninsured Drivers

Apr 8, 2008
Getting into a car accident is automatically going to bring you a headache, but getting into one where the other driver doesn't have car insurance is going to give you weeks and weeks of migraines. Why does it seem like those people who can't even afford cheap car insurance can always manage to keep their gas tanks filled with gas?

So what exactly happens if you are in an accident and the person who is responsible for the accident doesn't have car insurance? Usually, that person will just get a traffic ticket for not having car insurance and be let off the hook. If the accident is serious, they might get a bigger slap on the wrist, but usually, driving without car insurance is not going to result in more than a big fine.

So why should the average person go out, spend a lot of time getting car insurance quotes, write a check every couple of months to keep the policy current, and spend a lot of money on car insurance when so many people don't do it? The answer is simple - the first time you cancel your cheap car insurance, you are going to end up getting into a crash with someone else that is uninsured. If it's your fault, you are going to probably end up paying out of your pocket for the cost to repair your car and their car.

Uninsured drivers cost the car insurance business millions and millions of dollars every year. Getting into a car crash is a really dramatic experience, but getting into a car crash with someone who isn't insured is going to be even more dramatic. You may be asking yourself whether or not your car is going to be repaired on time if the person who hits you doesn't have car insurance. Don't worry, if the person who caused the accident doesn't have car insurance and there is no way for them to pay for the damages, your car insurance company will usually step up and repair your car for you. It is probably going to take longer for you to get the check from them, but in the long run everything is going to go well.

You may also be wondering what is going to happen to your rates once you get into crash with an uninsured driver. If it wasn't your fault, your rates shouldn't go up. If it was your fault, of course the car insurance companies are going to do whatever they can to get more money from you. If they raise your rates too much, make sure to get car insurance quotes from other companies as see what the fair rates are. You may notice that there is about 15% difference in the lowest and highest car insurance quotes, which means that you can save quite a bit of money over the course of just one year.

No one wants to think about car insurance, car crashes and uninsured drivers. When thinking about these topics, we usually get a headache. Dealing with these topics is going to give you more than one headache because of all the paper work, money and the wasted time.
About the Author
Quoteme.ie is Irelands leading specialist broker dedicated to providing their clients with car insurance quotes online. To find out more about www.quoteme.ie then check out our
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