Drivers are allowed to sue other drivers who injure them

You may be asked for proof of auto insurance at any and all of these times: at vehicle registration, at the time of an accident, and any time when driving the vehicle. In most states, drivers are allowed to sue other drivers who injure them in car accidents. Medical payments coverage will pay for your and your passengers' medical expenses after an accident. Underinsured motorists coverage will pay out if the driver who hit you causes more damage than his or her liability coverage can cover. You'll probably want to have at least the minimal amount of UM/UIM because if you can't find the other driver, you'll at least have some coverage for pain-and-suffering damages. Insurance companies often will "total" your car if the repair costs exceed a certain percentage of the car's worth. The critical damage point varies from company to company, from 55 percent to 90 percent. These expenses can arise from accidents while you're driving your car, someone else's car (with their permission), and injuries you or your family members incur when you're pedestrians. The chance that an uninsured driver will avoid detection is slim; he is likely to be caught and strictly punished. That's why it's a good idea to buy more than what your state requires.