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About one-in-eight drivers across the country didn’t have car insurance in 2019. In California, the number is even higher. That’s according to a 2021 study from the Insurance Research Council ...
California is a “no pay, no play” state, which prevents an uninsured not-at-fault driver from suing an insured at-fault driver for non-economic damages, such as pain and suffering or ...
Not-at-fault accidents without insurance If you are involved in an accident but did not cause it — perhaps you are rear-ended by another driver — not having insurance can still be problematic.
Vehicle insurance in the United States (also known as car insurance or auto insurance) is designed to cover the risk of financial liability or the loss of a motor vehicle that the owner may face if their vehicle is involved in a collision that results in property or physical damage. Most states require a motor vehicle owner to carry some ...
Personal injury protection (PIP) is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage , because the statutes enacting it are generally known as no-fault laws, and PIP is designed to be paid without regard ...
Although the benefits will vary depending on the state, no-fault benefits will generally: (1) pay for an injured person's car crash-related medical bills and lost wages; (2) be paid by the injured person's own insurance company; and (3) be paid regardless of whether the injured person was at-fault for the crash.
So how does car insurance work when you are not at fault for an accident? In the event of a not-at-fault accident, meaning an accident you did not cause, the claim will be handled based on the ...
This means if you are involved in an accident with someone who does not have insurance coverage and the accident is ruled the other driver’s fault, then the uninsured motorist coverage would apply.