In almost every state of the United States, you must provide proof of auto insurance if you want to register a vehicle. Auto insurance is a must for many reasons, but none more important than to protect your financial health. Here's how auto insurance can help you if you're hit by another driver.

Prevent a Worst Case Scenario

If you're hit by another driver that doesn't have auto insurance, your recourse for payment for damages is limited unless you have your insurance. Many people choose to add an "uninsured driver rider" to their policy which can protect them if a driver hits them without insurance.

If you have collision coverage and are hit by an uninsured driver, car repairs will be covered once you pay your deductible portion. If you don't have insurance, and neither does the driver that hit you, you'll have to figure out how to pay for the damages yourself.

Lead to Faster Claim Processing

Let's say the other driver is insured, which is good news, but it may take a while for the other driver's insurance company to figure out the claims. Your insurance will step in and make payments, then "go after" the other person's insurance for reimbursement. You can't get damage claims from both insurance companies.

If you're with the right carrier, it can make the claims process a lot simpler for you and cut down on the amount of time it takes to process a claim. Your insurance company acts as your advocate in the matter.

Provide Reliable Support Services

What if another driver hits you, and the driver claims the accident was your fault? What do you do? You let your insurance company manage the claim. Your insurance company can provide a wealth of claim support from legal representation to directing you on where to go for repair estimates to collect eyewitness testimony. Auto insurance companies provide vital support services, financial protection, and more after a car accident, whether it was your fault or the other drivers.

According to Bankrate, about 215 million drivers in the United States had insurance in 2021. Don't risk the fallout of not having the proper auto insurance coverage. Call Heitz Insurance today to get the insurance you can depend on in all types of accidents.