WHAT HAPPENS IF YOU ARE IN A WRECK WITH A PERSON WHO DOESN’T HAVE INSURANCE?

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WHAT HAPPENS IF YOU ARE IN A WRECK WITH A PERSON WHO DOESN’T HAVE INSURANCE?

Carrying insurance on your car is state law, but not every driver abides by this rule and that can cause some serious problems. When people are in car accidents and the other driver does not have the required insurance, a victim may have to resort to making a claim on their own policy. This can be difficult, and may also cause your rates to increase. So what is the answer? One approach is a new program that has been in use for a few months now, where a scan of your license plate will reveal if you have insurance. If not, the state will send you a ticket for failing to maintain insurance. The hope is that those who do get the tickets will get insurance to avoid further actions such as loss of driving privileges or having their car towed. One criticism of this program is that sending a letter with notice of a fine may not cause a driver to go buy insurance, and taking away their car and license will not help because then a low income driver will have no means of transportation to get to work and earn the money needed to pay insurance premiums. The issue of uninsured motorists is not new, and until the new program has been in use for a bit longer it is too early to determine if fining uninsured drivers is the way to get them to buy insurance. If you have been in an accident with an uninsured driver, call us for help. Or, if you have been given a ticket or received a letter with a fine for not having insurance, contact our office today.

For more information, contact us online today www.hostylaw.com or by calling the office at (405) 235-4040.