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What is uninsured motorist

what is uninsured motorist

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Risk Factor

Driving a vehicle is a risk, regardless of a person's age or gender. Accidents and other hazards are a possibility while operating a vehicle. Covering the cost of an accident can be expensive, especially for the driver who caused the accident. That is why most drivers purchase automobile insurance. Nevertheless, not all drivers possess the required insurance. Driving a vehicle without liability insurance in accordance with the respective state's laws is illegal. This is what the state considers as an uninsured motorist.

Uninsured Motorists

Driving without insurance is the common form of an uninsured motorist. In insurance terms, an uninsured motorist can also refer to someone whose insurance did not meet the specified liability limit requirement for a particular state, or someone whose insurance carrier refused to pay a claim or was unable to pay the claim. Another instance of an uninsured motorist is a driver who commits a hit-and-run accident that causes physical damage and bodily injury.

In all cases, the injured party is the one that suffers the most.

The reasons why a driver may not have insurance varies with each circumstance. One common belief is lack of finances causes some people to drive without insurance. The Insurance Journal states that, in times of low economic conditions, the percentage of uninsured drivers increase. Regardless of the circumstances, driving with insurance is a necessity.

Disadvantages of Driving Uninsured

There are legal ramifications for a driver without automobile insurance in each state, but the severity of the consequences varies. If you drive without insurance, you risk having your driving privileges revoked. An uninsured driver is not entitled to recover damages sustained in an accident if

he or she is at fault. According to Expert Law Website, an online website providing legal advice, several states limit the rights for an uninsured motorist to make a claim for damages due to pain and suffering.

There is no insurance carrier for the uninsured motorist to fall back on to pay for any damages to the injured party. In some cases, the uninsured driver may be required to pay for the damages out of personal resources, which could cause financial hardships.

Even if the uninsured motorist is not at fault in an accident, he is still in violation of the law and could receive a citation.

Injured Party

Reaching a settlement with an uninsured motorist following an accident he caused can be burdensome. While the victim has the right to pursue legal action against the uninsured motorist, he may never recover the total amount from damages incurred due to the accident.

An accident with an uninsured motorist causes physical, emotional and monetary unrest for the victim. However, the anguish is avoidable.

Uninsured Motorist Coverage

Most insurance companies offer an uninsured motorist clause. This clause serves as a protection to the insured party, as it pays for injuries to the driver and passengers, as well as property damage up to the limit stated on the insurance policy.

Uninsured motorist coverage is highly recommended. According to an article on, the Insurance Research Council estimated that, in some states, the percentage of uninsured drivers is close to 25 percent.

Most states require the insurance agent to offer uninsured motorist coverage to a prospective client. However, the insured may choose to reject the coverage despite the recommendation from the insurance agent.

Category: Insurance

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