What happens when you’re involved in a crash with another vehicle, and the other driver is at fault and uninsured?
Well I hate to say it, but get out your checkbook, because it’s going to cost you.
Fortunately for you, the uninsured motor vehicle portion of your policy will probably cover damages to your car. Unfortunately for you, you’ll have to pay your deductible — usually $250 or $500 — for the crash that wasn’t your fault in the first place.
This scenario becomes all too real for many crash victims who encounter uninsured motorists. That’s why law enforcement officers have a zero tolerance policy towards uninsured drivers. If you’re stopped and found to be uninsured, you’ll be issued a summons to court, and your driver’s license will be confiscated on the spot.
So, if you’re driving an uninsured vehicle, ask yourself what’s more expensive: the cost of insurance or the cost of a court appearance and the loss of your driving privilege?
The price you’ll pay in fines and a suspended license will make the cost of an insurance policy look like small potatoes. Remember that insurance is not an option — it’s the law.
Trooper’s Tips is a monthly column from the Colorado State Patrol. If you have a question or topic you’d like discussed, e-mail Trooper Wiersma at firstname.lastname@example.org.