What happens if you are in a car accident without insurance?
If you are in a car accident and you do not have insurance coverage, the outcome of this situation will vary depending on many factors including the rules where you live as well as who was at fault for the collision. In every state except New Hampshire and Virginia, you must have at least some liability insurance coverage.
Can you sue a driver with no insurance?
Each state sets its own rules for the situations in which legal action is allowed. Those with no insurance may be limited in what they can sue the at-fault driver for, depending on the state. If you live in a state with “no pay, no play” laws, uninsured drivers are prevented from suing for damages that can’t be quantified with a dollar amount.
What if the other driver only has liability car insurance?
If the other driver only has liability car insurance (and no uninsured motorist or "personal injury protection" coverage), you could very well face a lawsuit filed by the other driver, and find yourself on the financial hook for their losses.