The Dangers of Auto Damage as an Uninsured Motorist

Posted By: Main Auto Body, Inc. | February 21, 2020

Woman On Phone After Car Wreck

Getting into a car accident can cause major issues for uninsured drivers. Whether you damage your own car or someone else’s, you’re going to want auto insurance to fall back on and help cover the expenses. As experts in collision repair, dent repair, glasswork, and more, Main Auto Body, Inc. has seen firsthand what happens when a driver gets into a wreck without insurance. To learn more about the dangers of uninsured motorist damage, here are a few things to bear in mind.

Three Determining Factors

If a driver gets into a car accident and does not have auto insurance, three main factors will determine the consequences they could face.

  1. Residence: While most states require drivers to purchase an auto insurance policy, uninsured accidents still happen. If a driver who lives in Oregon gets into an accident and is found to be uninsured, they could face several serious consequences.
  2. Fault: Depending on who caused the accident, and whether or not they live in a no-fault state, an uninsured driver may or may not be held financially responsible for damages, injuries, and other related expenses.
  3. Damage: If damage to the vehicle is extensive, an uninsured driver might need to report the accident to their state’s Department of Motor Vehicles (DMV), which could result in additional consequences.

The Consequences of Driving Uninsured

One of the biggest consequences of getting into an uninsured accident is the cost of repairs. An insurance company would normally pay for the cost of damages along with lost wages and hospital bills if needed. But in this case, since there is no insurance plan to lean on for financial support, you’d have to foot the cost of these bills on your own. If the damage is significant, paying out of pocket might be difficult and could put a serious strain on your finances. Not to mention, this could slow down the repair process, making it harder to get back on your feet.

Additionally, if you live in a state where auto insurance is mandated, the consequences of a car accident can become even more serious. In Oregon, for example, there is minimum car insurance coverage that drivers are legally required to have. If you are found to be without coverage, you could have your license suspended or revoked. You could also get fined or even spend time in jail just for driving uninsured.

Finally, if you drive uninsured and are in a severe car accident, you may be required to report it to your state’s DMV. When the DMV learns that you were driving uninsured, they could suspend your license or deal out any number of other consequences.

Be Safe Instead of Sorry

Some people might think they’re saving money by foregoing car insurance, but the costs that can pile up after an accident will far surpass what they’d save. Plus, in most cases, these individuals are breaking the law and treading through dangerous waters each time they pull onto the road.

Car accidents happen every day, no matter how defensively we drive. Protect yourself, your car, and your wallet by getting auto insurance. If you’ve recently been in a car accident, contact Main Auto Body, Inc. to get your car up and running fast. Since 1977, we have been providing expert collision repair services that residents of OR can count on.