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An uninsured car on the road: tips for dealing with uninsured drivers

If you drive a car, chances are you'll be required by law to have some sort of car insurance to cover you in the event of an accident. While the particular type of car insurance you're legally required to take out will vary from state to state, there tend to be many similarities in the coverage offered by different policies. Most policies will protect you in the event of an accident or collision. Your insurance will help cover the costs incurred if your car, or another person's car is damaged, or someone is injured as a result of an accident. However, some people still take the risk of driving an uninsured car on the roads.

There have recently been a number of crackdowns on motorists who are driving uninsured. Penalties for driving without insurance can vary substantially from state to state. Some states will remove registration tags and will impound the vehicles of those to continue to drive uninsured, while others will impose hefty fines for drivers who continued to drive without insurance. Some states have smaller fines that may range between $100 and $500 for driving uninsured in your car. While these penalties may seem exorbitant for merely driving an uninsured car, note that penalties can be substantially higher in the event that you are involved in an accident, collision, or other infringement.

If you find yourself in an accident where the other car is uninsured, there are a few steps that you can take. You may want to find out whether your own insurance covers you in the event of an accident with an uninsured car, and you may be able to make a claim on your own insurance policy. However, bear in mind that making a claim will bump up your premium. In addition, you may have to be able to prove the who is at fault for the accident in order to receive a payout for your claim.
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