WHAT HAPPENS WHEN THE DRIVER IS NOT INSURED?
If you are injured in an accident and the vehicle is uninsured, you are entitled to collect basic reparations benefits from the insurer of any vehicle that you own. In the event that your injuries are a result of a collision with another vehicle that is not insured, you can purchase uninsured motorist protection. This is referred to as first party coverage and your insurance company is obligated to pay you for damages which you are legally entitled to recover from the other driver. Inclusion of this coverage is mandatory. The basic limits of coverage are the same for uninsured motorist as they are for liability which is $25,000.00. You can purchase additional uninsured motorist protection. This cost is usually not very much and is certainly additional insurance that you should consider purchasing.