Uninsured Drivers and Insured Cars: What are the Risks?

Driving an uninsured vehicle is a risky and illegal affair. But what happens when an uninsured driver gets behind the wheel of an insured car? An uninsured driver driving an insured car may seem like a great deal for the driver, but there are several risks involved. In this article, we’ll examine those risks and look at how an insured driver can protect themselves and their vehicle.

Risks to the Insured

When an uninsured driver gets behind the wheel of an insured car, the first risk falls to the insured driver. Depending on the laws in the state and the insurance company, the insured driver could be held responsible for any damage caused by the uninsured driver. This could include any medical bills, property damage, and other legal costs that the uninsured driver is unable to pay. Additionally, the insurance company may revoke the insured driver’s policy or raise their rates due to the incident.

Moreover, some insurance companies may not allow a driver to have an uninsured driver operating their car. If the company finds out, it could void the policy and leave the insured driver with no coverage. Therefore, if an insured driver plans to allow an uninsured driver to use their car, they should check with their insurance company first.

Risks to the Uninsured Driver

When an uninsured driver gets behind the wheel of an insured car, the risks for them are even greater. If there is an accident, the uninsured driver could be held liable for any damages or injuries they cause. In addition, they could face criminal charges for driving without insurance. Depending on the state, the uninsured driver could face jail time, fines, license suspension, or all three.

Moreover, if the uninsured driver is found to be at fault in the accident, they could be personally sued for damages. This could leave them financially responsible for any medical bills or property damage they caused. Therefore, an uninsured driver should think twice before getting behind the wheel of an insured car.

Protect Yourself

If you are an insured driver, you should take precautions to protect yourself if you allow another driver to use your car. First, you should check with your insurance company to make sure that they allow an uninsured driver to operate your car. If they do, then you should make sure that the driver is a licensed and responsible driver. You should also make sure that the driver is aware of the risks involved in driving an uninsured car.

In addition, you should consider purchasing an uninsured driver insurance policy. This will provide coverage for any damages or injuries caused by the uninsured driver in your car. Finally, you should always check with your insurance company to make sure that your policy is up to date and that you are still covered. By taking these precautions, you can help ensure that you and your vehicle are protected.