Who Pays For My Medical Bills If I Don’t Have Any Insurance?
In that situation, if there’s anyone in your household that owns a car, you could be covered under their uninsured motorist coverage. If you don’t own a car and nobody in your house owns a car, the state has created a corporation called MVAIC. What that is is to cover you in the event that you’re hit by an uninsured car, a car that leaves the scene of the accident, a stolen car, or any situation like that. However, if that happens to you, you must report the accident to the police within 24 hours in order to be a covered person under MVAIC.
This is a corporation that was created to help people, but MVAIC is not so helpful. So we like to take those cases because even though it is only a $25,000 policy, we think it’s wrong for MVAIC not to, to say everyone is not a covered person. So a situation where police come to the scene of the accident and they don’t make a report, that should be a covered person. You’re not reporting it to the police because you think, “Oh, the police are here, I don’t have to report it,” but you do. So we’re going to take all those cases that are difficult because we don’t think it’s right for MVAIC to deny coverage to people when it’s there to protect people.