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Woman on phone in front of car accidentBeing involved in a car accident is an intense process and one that is full of worry. But it only gets worse when you find out that the other driver is uninsured. Now your vehicle is in bad condition and the person who caused the damage does not have auto insurance to cover the losses. What do you do? Are you going to have to pay for those car repairs yourself?

Aren’t Drivers Required to Have Auto Insurance?

Most states require that individuals who maintain a driver's license in the state also carry auto insurance for liability with specific minimum limits. Liability insurance protects other drivers. However, there are many situations in which individuals do not have any insurance coverage or may not have enough insurance to cover the losses associated with your vehicle. What do you do?

The problem is that some people still may not have the coverage they need, or they may not have a high enough amount of liability protection. When this occurs, what happens next depends on your state's laws. If you live in a state with tort insurance laws, you may be able to file a lawsuit against that person to recover some losses. However, if you have uninsured or underinsurance auto insurance, a policy that you take out yourself before the incident occurs, then your insurance will help to fill in the losses.

What to Do Now

If you are currently facing a situation where you were involved with a person who did not have auto insurance, take action by contacting an attorney. If you want to avoid this in the future, be sure you have underinsured or uninsured motorist insurance coverage in place. These policies tend to be very affordable, and they can be an easy addition to the current policy that you have in place or to a new policy.

Take a few minutes to consider what you need to do to protect yourself and your assets from such situations. Could you afford to recoup the losses if the driver causing an accident really does not have the coverage to pay for damage? If you have the right auto insurance, you can remain protected.

Get the right coverage today. Call Floss Agency at (716) 688-5115 for more information on Buffalo auto insurance.

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Securities and advisory services offered by Cadaret Grant & Co., Inc.  |  Member FINRA/SIPC 9092 Main Street, Clarence, NY 14031 716-631-0190  |  Licensed in New York, California, Florida, Texas & Tennessee. | Floss Agency and Cadaret Grant are separate entities.