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.
What happens if you are at fault for an accident?
If you are at fault for the accident, your insurance will cover other people’s damages. Your collision coverage will provide coverage for your own vehicle. If the at-fault driver does not have insurance or is underinsured, there are still options to recover your costs.
Can an insurer total a car if it can't be repaired?
Alternatively, an insurer can total a car if it cannot be repaired safely. Whether or not your car is totaled is not based on how drivable it looks after the accident. Repairs are often more expensive than they may appear, so even a small accident can result in a determination of your car being totaled.