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What Happens If Someone Hits Me Without Insurance

5 min read

What Happens If Someone Hits Me Without Insurance – The experience of being in a car accident is bad enough, but being in a car accident when you are not at fault and the other driver does not have insurance is a scenario bordering on nightmares. Never mind that the law requires all cars to be insured before registration. The Insurance Research Council estimates that 1 in 8 drivers nationwide do not have auto insurance when they hit the road. Of the 247 million drivers on American roads, 32 million drive without insurance. According to the numbers, the average person in the US who hits you has a 13% chance of not having insurance.

Maine’s uninsured rate is bad, but not bad—only 4.5% of drivers don’t have insurance. However, this does not affect the number of underinsured drivers on the road (which is impossible). Suffice to say, whether you’re going to the grocery store or camping, there is a good percentage of drivers who are at risk and vulnerable to uninsured and underinsured drivers. Here’s what you need to know to be fully protected when you’re on the go.

What Happens If Someone Hits Me Without Insurance

First, uninsured and underinsured motor vehicle liability coverage is included as part of every Maine auto insurance policy. Known as UM liability coverage, this applies to those who do not have auto liability coverage and are injured by an at-fault driver who is underinsured.

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In Maine, as in most states, auto insurance is mandatory for registered vehicles. The Maine Financial Responsibility Act requires proof of minimum auto insurance for all vehicles before the vehicle can be registered. In other words, drivers must have minimum liability insurance before they can legally drive their vehicles. Insurance policies are often listed as $50/100/25, which means that the coverage is up to $50,000 if someone is injured or killed, $100,000 of liability for an accident causing the same, and $25,000 will settle the liability in the amount. any property damage, i.e. your car. The law also allows for a combined minimum liability limit for bodily injury and property damage of $125,000, called the single limit.

The reality is that if you or one of your passengers is seriously injured and your vehicle is damaged, $50/100/25 is not enough to cover medical expenses or replace your vehicle. If your car is a late model or even a few years old, $25,000 won’t replace it. When eligible, UM liability provides coverage for several situations where the driver is at-fault uninsured or underinsured. The vehicle may be stolen or taken without permission. The insurance policy may expire without renewal or be canceled due to late premium payment. It could be a classic hit-and-run, or perhaps more likely $50/100/25 isn’t enough to cover the full damage.

In all of these cases, UM’s liability is designed to cover you and other passengers injured in the accident. UM will not pay for an at-fault driver’s injury. It also doesn’t cover property damage, whether it’s your car or half a dozen mailboxes. UM provides adequate bodily injury coverage for you and your passengers if the at-fault driver is adequately insured. Make sure you have the right amount of collision coverage to ensure your property damage insurance can cover your vehicle.

In short, in the event of injury, damage and similar damage to you and any passengers not covered by an uninsured or underinsured at-fault driver, your insurance carrier will cover it in accordance with the UM section of your auto insurance policy. Your insurance provider pays the difference and cannot increase your premiums accordingly.

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If you are involved in a car accident and the at-fault driver is uninsured or underinsured and your insurance provider is helping you, contact the trusted Maine car accident attorneys at Hardy, Wolf & Downing for a free consultation. They will help you resolve any UM liability issues or, if necessary, file a UM liability claim on your behalf to ensure you receive the compensation you deserve. “Peer-reviewed” means that the Financial Review Board has thoroughly evaluated the accuracy and clarity of the article. The Review Board is a group of financial experts whose goal is to ensure that our content is always objective and balanced.

Posted by Kacie Goff Posted by Kacie GoffArrow. Real Personal Finance Associate Kacie Goff is a personal finance and insurance writer with over seven years of experience in personal and commercial coverage. On, , The Simple Dollar, NextAdvisor, Varo Money, Coverage, Best Credit Cards and more. writes for It covers a wide range of policy types – including package insurance and lesser-known coverage like E&O – and specializes in auto insurance, homeowners insurance and life insurance. Connect with Kacie Goff on LinkedIn Linkedin Connect with Kacie Goff via Email Kacie Goff

Edited by Jessa Claeys Edited by Jessa Claeys Arrow Right Editor, Insurance Jessa Claeys is an insurance editor covering auto, home and life insurance. He has over six years of experience writing, editing and leading teams of content creators dedicated to helping others secure a healthy financial future. His work includes Jerry, BiggerPockets, 401(k) Specialist, BP Wealth and others. published by several insurance, personal finance and investment oriented publications including Connect with Jessa Claeys on LinkedIn Linkedin

Reviewed by Steve Ellis, CPCU, AIC, MBA Reviewed by Steve Ellis, CPCU, AIC, MBAArrow. Right Assistant Vice President and Claims Manager Steve Ellis, CPCU, AIC, MBA, is a 30-year veteran of the insurance industry. His expertise spans training, operations, quality improvement, auditing, compliance, claims technology, data and analytics. About our Audit Committee Steve Ellis, CPCU, AIC, MBA

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