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Why is having uninsured motorist insurance important?

The thing about car accidents is that you don't know when they are going to happen and you don't know how much injury you will suffer or how much damage your vehicle might take. Another thing that you don't know until after a car accident happens is whether the other driver is insured or not. This is a big deal if it happens that the other driver was responsible.

The laws regarding insured and uninsured motorists vary from state to state. Here in Louisiana we have what is known as the no pay, no play law. What that states is that if an uninsured driver gets into an accident and attempts to receive a settlement from the other driver, they can't get that compensation from the other person's insurance company. If you want to play, you have to pay.

On the other side of the coin, though, is this possible scenario. You get into an accident -- even a relatively minor, low-impact one. You suffer whiplash or one of the other types of injuries that can commonly occur in such crashes. Maybe it's a low back injury or bruising top the chest or neck from straining against the seat belt.

If the other driver is uninsured, you obviously won't be able to seek compensation from an insurer. You might be able to sue the driver directly, but chances are good that the person has other financial problems that have generated a lot of creditors. If that's the case, even if you win a judgment from a court, you may have to stand in line. Collecting might never happen.

It's always recommended that drivers have uninsured motorist coverage as part of their insurance plan. And if ever you are in an accident or have questions about your rights and options, the best thing to do is consult with an experienced attorney. The first consultation is often free so there's nothing to lose.

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