Auto and Car Insurance

car insurance?

what happens if you have liability car insurance and a guy that smashes your car hits you and he doesnt have any insurance? are you covered or are you screw ed?

Public Comments

1. You're screwed! I was in an accident once and the other people didn't have insurance and I was toast. That's why I now carry uninsured motorist coverage with my liability for just that reason. But you can sue him if you got the cash.
2. I read the other post in response to this question, and it's correct in stating you needed Uninsured Motorist coverage. I disagreed concerning the suing, however. If he doesn't have insurance, he's automatically "At fault." But someone who doesn't have insurance is someone who is unwilling to protect their assets, and I don't know such a person. This only means that the person you hit has no assets, no cash, nothing of value. Why spend $$$ out of your own pocket for nothing? --Jon