In short, if you have an accident and don't have insurance, the other driver's insurance company can sue you to recover the damage you caused to the policyholder's car. If the other driver's insurance company wins, you will receive a monetary judgment against you. If you cause an accident and another driver suffers injuries and other damages, you are financially responsible for those damages. If you don't have insurance, the other driver can try to recover your assets to cover your medical expenses and other damages.
Offensive drivers generally use their liability insurance to pay for the damage they caused. In Arizona, all drivers driving on the road must have liability insurance to cover damage caused by potential car accidents. However, in some cases, the at-fault driver doesn't have car insurance or doesn't have enough insurance to cover their medical expenses. In this case, most people will have to resort to filing a claim with their own insurance.
This is when uninsured motorist insurance (UM) and underinsured motorist insurance (UIM) can help you in a personal injury case. That means that victims generally seek compensation from the at-fault driver and their car insurance policy. If you were involved in a car accident in Arizona, you will typically file a claim through the at-fault driver's auto insurance company or file a claim through your own auto insurance company to receive compensation. While your car insurance policy may not provide compensation, you may be wondering if you can still file a claim if you don't have car insurance.
Nearly every state requires motorists driving on their roads to have car insurance to compensate injured parties in the event that the insured driver causes an accident. Arizona isn't one of those states, but there are a few things you should know about how a lack of insurance could affect you after being injured in a car accident caused by another driver.