Personal Injury Blog
You may be covered, even if you didn't pay for it.
Uninsured motorist coverage can come in very handy. The coverage is used in situations where the driver who caused an accident is operating a vehicle without insurance.
Despite mandatory insurance laws in both Oregon and Washington, the state regulatory agencies estimate that close to one fourth of all drivers on the road don't carry insurance. If they violate traffic safety laws and cause damage to your car or physical injury, despite the legal obligation to pay, all you may get is an apology.
True, an officer may issue a citation for driving without insurance and the charge may result in their license being suspended. However, many of these drivers will take to the road anyway, either caring less about the law and their legal responsibilities or having no choice but to do so in order to stay employed.
Many people just don’t have the money to buy insurance, particularly in a down economy. And with our mobile society and the limited public transportation options available, many people have to make difficult choices when it comes to getting around. Which is why it is so important to carry adequate limits of uninsured motorist coverage.