As surprising as it may come to some, even today, there are a few states that do not require drivers to have auto insurance. That being said, in those states, drivers may be responsible for paying vehicle fees or a bond to the state should an accident occur. Then, there are drivers who, despite living in a state that requires auto insurance, either neglect to pay for it, let it lapse, or simply make no effort to obtain it.
Think that getting into an accident with an uninsured driver isn't that big of a risk? You may want to carefully consider it again. Out of 50 states, California actually ranks 13th in uninsured drivers, with 14.7 percent of all drivers getting behind the wheel without coverage.
In many cases, there aren't any huge issues if you're hit by an uninsured driver. You may be able to seek compensation directly, of course, but your own insurance may help cover the costs if the other driver doesn't have the proper policy.
Most people who don't carry insurance do it for one reason: They don't want to pay for it. They may not be able to afford it at all, depending on their financial situation. There are cases where a driver may technically be uninsured when he or she simply forgot to make a payment or file the proper paperwork, but most cases where people drive around without any coverage stem from a lack of funds.
Have you ever walked out to your car in a parking lot or along the street and found that it was damaged by another vehicle? Have you ever been involved in a fender bender and watched incredulously as the other driver sped away? If you said yes to either of these questions, then you've been a victim of a hit-and-run accident and probably asked: Will my insurance cover this?