If you are at fault in an automobile collision and you do not have insurance, your driver license may be suspended if you do not pay for the resulting damages and/or injuries. See Failure to pay accident damages: Financial Responsibility Law by the Department of Licensing.

What happens if you have no insurance but the other driver was at fault in Indiana?

If you get into an accident while driving without insurance in Indiana, you will be cited and all the penalties for driving without insurance will apply, no matter who is at fault. Both the other driver and their insurance company can sue you and have future wages and savings garnished to pay for damages.

Does uninsured motorist cover my deductible?

Uninsured motorist bodily injury insurance generally does not require a deductible, while uninsured motorist property damage deductibles vary by state. A car insurance deductible is the amount that the policyholder must pay before the insurance company will cover any costs.

How does no fault insurance work and why is it the law in more states now?

No-fault insurance pays for your medical bills and related expenses if you are injured in a car accident, regardless of who caused the wreck. So if your vehicle is damaged in an accident in a no-fault state, the at-fault driver is still responsible for reimbursing you through their property damage liability insurance.

Can I sue if I didn’t have insurance?

Your ability to sue in no-fault states is restricted—you typically can’t sue the other driver unless you suffered serious injuries and/or incurred medical bills over a certain amount. But when the other driver has no insurance, filing a lawsuit can be something of a dead end (more on this later).

What happens to an uninsured motorist in a car accident?

Uninsured motorist coverage protects you if you are ever in a car accident with an at-fault driver who does not have auto liability insurance. When an uninsured driver is at fault in a car accident, the insured’s insurance companies are usually responsible for the damages.

What happens if the other driver is not insured?

However, you may get that money back if your insurer is able to settle with the other driver’s insurance company. If it turns out the other driver is uninsured and you have uninsured motorist coverage property damage (UMPD), you can make a claim for your vehicle’s damage.

Can you file a claim against an uninsured driver?

If you don’t have uninsured motorist coverage on your own insurance policy, you cannot make a claim or recover damages against an uninsured driver. When you’ve been in an accident, it’s important to file a report to your insurance company right away. A report is not the same as a claim.

Do you need car insurance if you are an uninsured driver?

In states where uninsured motorist property damage coverage is available, you may not need it. Collision insurance will also cover damage to your car if someone else hits it, and it will cover a wide variety of circumstances, not just an uninsured driver. Does your state have a lot of drivers without insurance?