You’re driving along and all of a sudden BAM! A car turning left into your lane doesn’t see you and you find yourself involved in a car accident. But you don’t have anything to worry about, right? After all it was obviously the other driver’s fault so their insurance will pay for your car and any injuries you may have sustained. You get out of your vehicle and the other driver approaches you, begging you not to call the police. They have the money to pay for the damages, they promise. It turns out that they don’t have any car insurance.
What does this mean for you? Most people will assume that it means they are up the creek without a paddle, and that there is nothing that they can do but suck it up and pay for their car to be fixed. And pray that they don’t have whip-lash or any other injuries. And if you end up in the hospital and your car is a total write-off? You may think that there’s still nothing that you can do, but there is.