Handling the Unexpected: The Reality of Uninsured Car Accidents

Posted on September 6, 2023 by Benjamin

Driving your vehicle around without any automotive insurance coverage is a risky move. If you get into a car accident that was your fault and your fault alone, you might face a harsh reality when it comes time to pay for the damage. Most motor vehicle insurance policies include both liability coverage and coverage for your own car if it is damaged in an accident. Liability coverage helps to pay for any damage you may cause to others, such as a total loss vehicle owned by another person or a driver’s medical bills. However, if you do not have insurance and are found at fault in the accident, then you will be solely responsible for all the damages.

The financial repercussions of an uninsured car accident or wreck can be devastating, especially if it involves a total loss vehicle. Fortunately, there are options for getting payment for your wrecked vehicle if you find yourself in this scenario. Moreover, some states have implemented laws that help protect drivers from having to bear the full brunt of such costs. This blog post will cover these topics and more. Let’s get started.

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What to Do After an Uninsured Car Accident

If you are in an accident that was your fault and you do not have insurance, the first step is to contact local law enforcement. This will help determine who is at fault (to blame) for the accident and may protect you from being held liable for any damages.

Next, make sure to document the accident as much as possible. Take photos of all the damaged vehicles and write down details like the time, date, location, and other drivers’ information. This will be helpful in case a lawsuit is filed against you by the other driver or insurance company.

If you are unable to cover the costs associated with an uninsured car accident out-of-pocket, you may be able to file a claim with your state’s Uninsured Motor Vehicle Commission (UMVC). This is an organization that helps settle disputes between drivers and insurance companies when no liability coverage is in place.

State Laws for Uninsured Car Accidents

Some states have enacted laws specifically designed to help protect drivers involved in uninsured car accidents. In most cases, these laws state that the driver who is found to be responsible must pay for all damages and cannot transfer liability to another person or company.

For example, California has a law called the Uninsured Motorist Statute of Limitations (SB 1298). This law states that if a driver is uninsured and causes an accident, then they are required to pay for all the damages up to a certain limit. The state of Indiana shares this ordinance.

In addition, many states have implemented laws that allow drivers to purchase uninsured motorist coverage even if they don’t have an insurance policy in place. This type of coverage helps protect you from having to pay out-of-pocket for any damage caused by an uninsured driver or vehicle.

What to Do With an Uninsured Totaled Car

Finally, if you are facing a financial burden related to an uninsured car accident and don’t have the funds to pay for it, consider selling it to a local auto scrapyard. Most junk car buyers pay cash on the spot for scrap cars, regardless of age, make, model, or condition. The most reputable cash for cars companies will provide free junk car removal, which also means they will not deduct a hidden charge from your offer for towing and pick up. Be on the lookout for that!

Tips for Avoiding Uninsured Car Accidents

The best way to avoid the potential financial hardship that comes with an uninsured car accident is to make sure you are properly insured. Make sure you are familiar with your state’s minimum requirements for auto insurance coverage and purchase a policy that will cover any damage caused by an at-fault accident. In addition, it’s important to be a safe driver. This means following all the rules of the road and being aware of your surroundings. Pay attention to other drivers and avoid distractions like cell phones while driving. Finally, always wear your seat belt and encourage others in your vehicle to do so as well.

In Summary

Driving without insurance is never a good idea, but sometimes accidents happen. If you find yourself in this situation, make sure to take the necessary steps to protect yourself and your finances. By following these tips and knowing what to do after an uninsured car accident, you can prevent potential financial hardship.

Ready to get a free offer for your wrecked car or truck? Take the first step towards earning some cash back for that clunker today! Contact Benjamin’s Junk Cars at 317-218-7133 to sell a junk car in Indianapolis for an instant cash payout. We serve all of Central Indiana with free junk car removal.

Should I Have My Wrecked Car Towed to My House or the Junkyard?

Posted on March 11, 2022 by Benjamin

The fact that you need a tow is undeniable. Where you should tow your freshly totaled car is the real questions. And the answer depends on a few factors. Continue below to learn what these factors are and how to consider them when deciding on where to tow your wrecked vehicle after totaling it in Indianapolis.

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Insurance Coverage for Towing a Totaled Car

After you total your car, whether in the middle of the interstate or in a pond behind your place of work, the first question you should ask yourself is, “Does insurance cover this?” If you have a certain type of automotive insurance coverage that is more than the state minimum, you may be able to snag a reimbursement for any money paid out of pocket for having it towed from the scene of the accident.

However, unless your insurance coverage contains comprehensive roadside assistance plan, it is not likely that your insurance carrier will cover towing expenses. In this case, you will be required to pay for a tow truck all on your own. Then you will file a claim with your insurance carrier, and they will collect your totaled car and confirm it is a total loss. Afterwards, you will receive your insurance payout, minus your deductible. This process can vary from case to case.

No Insurance Coverage

When a car is totaled, it may seem like a huge waste to spend even more money having it transported anywhere, but it is a wise decision for many reasons. In the case that your deductible is higher than the current value of your totaled vehicle, it would not make sense to file a claim.

In this case, you could just sell your totaled car to an Indianapolis junk car buyer for cash on the spot! They will tow it away from the scene of the accident, or from your house, for free! If you do not have insurance coverage on your totaled car, you can also have it towed for free from a local auto salvage yard and make fast cash at the same time!

Are you looking for a trusted cash for cars company in Indiana that will pay you top dollar for your vehicle? Contact Benjamin’s Junk Cars at 317-218-7133 to sell a junk car in Indianapolis, Indiana for cash on the spot. We provide free junk car haul away, so all you need to do is call!

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Frequently Asked Questions About Car Tires in the Winter

Posted on February 15, 2022 by Benjamin

Whether it is your first winter as a licensed driver and car owner or you have just recently moved here, where conditions are a bit wintrier than you’re used to, winter car tire knowledge is an important asset you will need to be as safe as possible. Continue below to review some frequently asked questions about car tires and winter weather, from tire pressure and routine care to snow tires, standard tires, tire replacement, and more!

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Winter Car Tire FAQS We All Need to Know

How Do I Check My Tire Pressure?

Tire pressure is incredibly important in terms of road safety, driving safety, and car care. Tires should not be overinflated nor underinflated. In the winter, tire pressure tends to drop significantly due to the colder temperatures. In fact, it is recorded that tires lose 1 psi of tire pressure for every 10 degree Fahrenheit the temperature drops.

For this reason, it is important to check your tire pressure on a monthly basis. Use any standard tire pressure gauge, either manual or digital. Simply volume manufacturers’ instructions in your vehicle’s owners’ manual.

Your vehicle, especially if it’s a newer model, should have a tire pressure monitoring system (TPMS) that monitors the air pressure in your tires. This system will notify you through an illuminated icon on your dashboard whenever your tire pressure is too low or too high.

What are the Benefits of Snow Tires?

Snow tires, or winter tires, deliver a wide range of benefits. They are designed to have a more flexible tread rubber compound, which allows for better traction and stability on wet or slippery road surfaces. Whether ice, freezing rain, slush, hail, or snow, having a set of winter tires will protect you against losing control of your vehicle due to the wintry conditions.

Do I Need Snow Tires?

Whether or not you need snow tires really depends on your personal driving habits. If you live here in Indiana where snow and wintry conditions are virtually guaranteed year after year, winter tires are a wise investment. They will also serve you well through the fall and well into the spring, during raining conditions. If you do not drive very often, all-season tires may be the best option.

Should I Remove Winter Tires for the Summer?

Winter tires, or snow tires, are meant for the icy, freezing conditions of the winter season. So, once the temperatures begin to steadily rise, it is important to swap out your snow tires for some summer or all-season tires. Then, swap them back out again once temperatures start to drop in the late fall.

Do My Tires Have to Be the Same Brand?

When replacing a tire or two, you may wonder if you need to stick with the same brand. Well, you do not, but it is highly recommended. Overall, so long as all tires are the same size and relatively the same tread wear, the brand of the tire should not make much of a difference.

Have you just totaled your vehicle as a result of winter conditions, and you have no idea what you’re going to do next? Contact Benjamin’s Junk Cars at 317-218-7133 for free junk car removal in Indianapolis, Indiana. Not only will we tow your car away from the accident for free, but we will pay you cash on the spot if you sell it to us!