Reader question:

I don’t have car insurance. If I get into a car accident and it isn’t my fault, then will I be able to get a car insurance claim with the at fault driver’s car insurance company?

Melissa

Yep.

This only works out if the other person does have the minimum liability car insurance, which is something that you might not be wise to bet on considering your own situation. If they do have this insurance and it is all their fault, you will be covered. However, if it is only half their fault, then they will be covered by their own company and you only get covered if they happen to have uninsured motorist coverage. This isn’t something that you should expect, because most states don’t require you to have uninsured motorist coverage.

However, you should just go ahead and get even the most basic car insurance plan because at the moment you are driving without car insurance, and that is illegal. If you get caught, you might have to pay fines, have your license suspended, or spend a bit in jail.

Cheers,

Fashun Guadarrama.