What if I don't have auto insurance?

It is important to carry auto insurance coverage in case of injury to yourself or others and for property damage in general. It is also a crime in most places. If you need help securing low-cost coverage for yourself or a loved one, click here.

That being said, not having an auto policy of your own does not answer every question about available coverage after an auto collision. Here are a few simple tips to follow:

CLARIFY YOUR ROLE IN THE INCIDENT.

A driver, passenger, pedestrian, and rideshare passenger may have different coverage options. Be clear about what happened in the wreck, and who you believe was at fault.

CHECK POTENTIALLY APPLICABLE INSURANCE COVERAGE.

While you may not have coverage, there are still options for you. If another driver is at fault, their insurance policy may cover your medical treatment. Depending on your situation, other types of insurance, such as household coverage, might help as well.

INSURANCE COMPLIANCE IS SEPARATE FROM INJRY RECOVERY.

While you may face penalties or fines for not having auto insurance, that is a different matter altogether from injury recovery. If you were injured, you deserve medical treatment, and regardless of your coverage, you may still qualify for compensation.

If you’d like to learn more about auto insurance and how to get lower rates on your policy, click here.