Car Accident and Motorcycle Accident Lawyer

The Importance of Driving with Sufficient Insurance

Posted on April 17, 2013 | Written By: iadminlaw

St. Patrick's Day Collision  3 of 4

St. Patrick’s Day Collision 3 of 4 (Photo credit: 7mary3)

Sometimes it may seem like a good idea to drive without insurance. It’s expensive, confusing and a person only needs it when he/she gets pulled over or is in accident. Most people are unaware of how much driving uninsured can hurt themselves and others.

In California, fifteen percent of the population is uninsured and driving. Perhaps they are driving safely and abiding every street law, but that is unlikely. If a car accident occurs and the uninsured driver is not at fault, it is possible to file a claim and receive compensation; however, it usually requires an attorney and the compensation has potential to be incomplete. It is also protocol that the driver loses his/her license for a period of time.

If that same driver got into a car accident where he/she was at fault, then it would be his/her responsibility to cover damages for the other driver. This could mean out-of-pocket payment for medical bills, lost wages and property damage.

Many times it is not the uninsured driver that suffers the most. When insured drivers are hit by those who are uninsured, they become monetarily responsible for the accident. Either they must have the proper underinsured motorist coverage on their own plan; or they have to rely on out-of-pocket payment, assets that can be liquidated into compensation, or the financial cooperation of hospitals and auto repair shops.

Uninsured drivers affect the lives of others with their irresponsible driving. A small fender-bender may not seem like much for which to not get compensated or for which to pay someone else, but a major collision with serious injuries or even death can bankrupt the uninsured driver at fault as well as prohibit appropriate damages for the victim.

It is always a better choice to drive with insurance for you and for others. If you have been in an accident, whether you are insured or not, contact one of our great accident attorneys for a free consultation and help figuring out your next move.

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