Many Americans will experience a car accident at some time in their lives.
In some cases, the accident will be their fault and in others, the other driver will be at fault.
Unfortunately, when the other driver is at fault, there is a chance that he or she will not have auto insurance.
Although every state has laws requiring a certain amount of automobile insurance, an untold number of drivers fail to carry their state's minimum coverage.
What this means is that the victim in the collision may be left to cover his or her own medical and auto repair bills.
These bills may tally in the thousands of dollars, so dealing with these debts can be a major burden for many individuals.
Luckily, many insured drivers may have options for getting covered even if the at-fault driver did not have insurance.
Some insurance policies allow drivers to make uninsured motorist claims.
These claims allow individuals to use their own auto insurance to cover their medical and auto repair bills if the other driver did not have any coverage.
To make these claims, individuals must first find out whether or not they have this provision in their insurance policies.
This can usually be accomplished just by calling a local agent and asking him or her to look up those details.
From there, the agent may give the individual a list of things he or she needs in order for his or her insurance company to release compensation funds.
In many cases, this involves getting a court ruling that states the driver wishing to make the uninsured motorist claim was not at fault in the accident.