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What Will Happen if I Am Hit by an Uninsured Driver
 

Procuring cheap car insurance is important, but do not make the mistake of leaving yourself open to losses if you are hit by an uninsured driver. Being involved in a car accident is scary enough. This doesn't mean that you shouldn't try to get cheap car insurance, it just means to make sure you get the appropriate amount of coverage. It becomes a whole lot more stressful if you are hit by an uninsured driver. If you have uninsured motorist coverage you will not have to worry. If you have uninsured motorist coverage and you are involved in an accident where the other driver is at fault and uninsured, your insurance company will pay to fix your car. The insurance company will then pursue the driver to collect damages from them. You will still be responsible for the deductible to have your car fixed. You have the option of filing a small claims suit to collect your deductible from the other driver. An uninsured driver also includes someone who drives off and leaves the scene of the accident after causing the accident. This person can be either a hit-and-run driver or a phantom driver. A phantom driver is one who causes a collision without striking another vehicle and then drives away. A hit-and-run driver is one who runs into another vehicle and then speeds off. It is vital to have uninsured motorist coverage because of the number of individuals that are driving without insurance.