One thing that all drivers should have is insurance coverage. Sadly, many drivers do not carry coverage, and that hurts them and the people around them.
If there is a crash with no insurance coverage, then those who are hurt may have to sue the driver who hit them. The driver may also face penalties, like a charge for failing to carry insurance.
What kinds of things can insurance cover following a crash?
While most people assume insurance coverage will pay for medical bills and direct losses related to missing work, it will also pay for other things. Travel expenses to and from the hospital, physical therapy, or other treatments may be covered. Repairs or replacements of items you lost in the crash, along with your vehicle, could be likely. Insurance may even cover ongoing medical care in the future along with a payment for your pain and suffering.
What happens if the other driver doesn't have insurance?
In the case that he or she is not carrying insurance or does not have enough insurance, there are a few things that can happen. First, if the driver has no insurance, the police may step in, and the person may be charged for failing to carry insurance. On your side of the case, you'll need a civil lawsuit to seek compensation from the other party.
it is usually wise to carry uninsured or underinsured motorist coverage, which helps protect you in a case where a driver is not insured or doesn't have enough insurance. Your insurance provider would then pay money out to you following a crash.