Most states impose significant penalties if you drive without having valid car insurance if you are involved in a car accident and are found to have been driving without insurance the penalties can be even more severe if you live in a no fault insurance state at last count at least 12 states followed what is known as a no fault car . Get fast free insurance quotes today find affordable insurance coverage for your car motorcycle and much more geico has been trusted since 1936. Uim property damage provides coverage for vehicle repairs in case the person who hit you doesnt have enough insurance or any insurance at all unlike uim bodily injury uim property damage wont provide coverage if the at fault driver cant be identified so a hit and run is not covered. Collision auto insurance provides coverage for vehicle damage regardless of who is at fault if you dont have collision insurance then the person at fault in an accident is responsible for paying for the vehicle damage if youre in an accident get the other drivers information. Typically a pedestrian who is hit by a car will be covered by the drivers car insurance company this of course will depend on who was at fault and whether the driver has the necessary insurance coverage in your particular state if the situation gets complex and the insurance company refuses to compensate
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