{"id":5172,"date":"2024-11-07T08:21:57","date_gmt":"2024-11-07T16:21:57","guid":{"rendered":"\/wp-site\/?p=5172"},"modified":"2025-05-12T11:20:19","modified_gmt":"2025-05-12T18:20:19","slug":"car-accident-without-insurance-not-at-fault","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/car-accident-without-insurance-not-at-fault\/","title":{"rendered":"What to Do if You\u2019re in a Car Accident Without Insurance \u2014 But You\u2019re Not At Fault"},"content":{"rendered":"\n<p>If you don\u2019t have <a href=\"\/car-insurance\/\">car insurance<\/a>, getting in a car accident can result in serious legal consequences, even if you\u2019re not the at-fault driver. You can still file a claim with the other driver\u2019s insurance company, but depending on your state\u2019s laws, you may not be able to collect damages like compensation for pain and suffering or disfigurement.<\/p>\n\n\n\n<p>Here\u2019s what to know if you\u2019re not-at-fault in a car accident without insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"can-you-file\">Can you file a claim if you\u2019re in a car accident without insurance and not at-fault?<\/h2>\n\n\n\n<p>Even if you\u2019re uninsured, you can still file a claim with the at-fault driver\u2019s insurance company following an auto accident. The driver responsible for causing an accident is legally required to pay for crash-related expenses; however, what expenses their insurance will cover depends on whether you live in an at-fault state or a no-fault state.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In an <a href=\"\/car-insurance\/at-fault-states\/\">at-fault state<\/a>, also called a full tort state, the driver responsible for the accident is liable for the damages. Their insurance company typically covers property damage and bodily injuries to others involved. This is a much more common legal structure.<\/li>\n\n\n\n<li>In <a href=\"\/car-insurance\/no-fault-states\/\">no-fault states<\/a>, the at-fault driver&#8217;s insurance still covers property damage, your own insurance policy primarily covers your injuries. If you get into a car accident while uninsured in a no-fault state, you\u2019ll likely need to pay for any personal medical needs out-of-pocket (since you won\u2019t be able to file a claim with your insurer).&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>However, in some states, uninsured drivers aren\u2019t eligible for a full settlement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-file\">How to file a claim if you\u2019re an uninsured driver<\/h2>\n\n\n\n<p>The process of <a href=\"\/car-insurance\/car-insurance-claim\/\">filing a car insurance claim<\/a> is similar for insured and uninsured drivers, except you\u2019ll need to reach out to the other driver\u2019s insurance \u2014 a step that would normally be handled by your provider.&nbsp;<\/p>\n\n\n\n<p>First, at the site of the accident, get the other driver\u2019s name, contact information, insurance provider, driver\u2019s license number and vehicle information.<\/p>\n\n\n\n<p>Plan to contact the other driver\u2019s insurance provider and explain that you need to make a claim. To support your claim, you\u2019ll need as much evidence as you can find, like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Basic information about the exact time, location and circumstances of the accident.<\/li>\n\n\n\n<li>Descriptions of the damages with photos and videos.<\/li>\n\n\n\n<li>A police report.<\/li>\n\n\n\n<li>Dash cam footage.<\/li>\n\n\n\n<li>Eyewitness accounts.<\/li>\n\n\n\n<li>Any medical bills or other relevant documents if you\u2019re filing a personal injury claim.<\/li>\n<\/ul>\n\n\n\n<p>Once you\u2019ve submitted your evidence, wait for the assigned insurance adjuster to perform a case evaluation and determine your payout for any necessary car repairs, property damage and\/or personal injury claims.<\/p>\n\n\n\n<p>If you\u2019re unsatisfied with your settlement offer, you can also hire a personal injury lawyer or car accident attorney to help you. Just remember that after your free consultation, working with a law firm will cost you a portion of your settlement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"state-laws\">How do state laws impact claims for an uninsured driver?<\/h2>\n\n\n\n<p>If you live in one of the 38 at-fault states in the U.S., and you\u2019re in a wreck but not at fault, the driver who caused the accident will be responsible for paying for your medical bills and property damage.<\/p>\n\n\n\n<p>If you live in a no-fault state, you\u2019ll be responsible for your own medical bills, but the at-fault driver\u2019s property damage liability coverage should pay for your car\u2019s damage. If you have health insurance, it will kick in after you pay your deductible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u201cNo pay, no play\u201d laws affect uninsured drivers<\/h3>\n\n\n\n<p>If your state has a \u201cno pay no play\u201d law and you got into a not-at-fault accident without insurance, your options for compensation will be seriously limited.<\/p>\n\n\n\n<p>These laws still allow you to file a claim if you\u2019re uninsured, but there may be restrictions on the amount of compensation you can receive and the type of damages you can seek. The exact restrictions will vary from state to state but generally apply to non-economic damages, like pain and suffering or emotional distress. However, there are usually exceptions if the other driver was driving drunk, being reckless, did something on purpose or left the scene.<\/p>\n\n\n\n<p>Those states are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Alaska.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/california\/\">California<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/indiana\/\">Indiana<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/iowa\/\">Iowa<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/kansas\/\">Kansas<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/louisiana\/\">Louisiana<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/michigan\/\">Michigan<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/missouri\/\">Missouri<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/new-jersey\/\">New Jersey<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/north-dakota\/\">North Dakota<\/a>.<\/li>\n\n\n\n<li><a href=\"\/car-insurance\/oregon\/\">Oregon<\/a>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Contributory and comparative negligence laws<\/h3>\n\n\n\n<p>In many car accidents, fault is shared between both drivers. Even if the other driver holds most of the responsibility for the crash, you may be assigned a portion of the fault depending on the exact circumstances leading up to the accident.<\/p>\n\n\n\n<p>Depending on your state\u2019s negligence laws, you may be unable to collect damages for medical expenses following an accident, or you may be limited in how much you can claim. Shared fault also means that you\u2019ll be vulnerable to personal injury lawsuits if you\u2019re found to have some responsibility for the accident.<\/p>\n\n\n\n<p>Currently, <a href=\"\/car-insurance\/alabama\/\">Alabama<\/a>, <a href=\"\/car-insurance\/maryland\/\">Maryland<\/a>, <a href=\"\/car-insurance\/north-carolina\/\">North Carolina<\/a>, <a href=\"\/car-insurance\/virginia\/\">Virginia<\/a> and the District of Columbia use pure contributory negligence laws. In these states, if you were even 1% at fault while uninsured, you won\u2019t be able to collect on a claim following an accident at all, or you may be limited in how much you can claim.&nbsp;<\/p>\n\n\n\n<p>In other states, both drivers split the blame and costs based on their respective levels of fault. If you\u2019re declared partially at fault in one of these states, you\u2019ll still be financially responsible for your portion of the fault, but you\u2019ll also be able to pursue compensation for damages depending on your percentage of fault.<\/p>\n\n\n\n<p>Here are the comparative negligence laws in the remaining 46 states.<\/p>\n\n\n\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>View full list<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>State<\/th><th><strong>Comparative negligence law<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Arizona<\/td><td>Arizona is a pure comparative negligence state, which means you can seek damages following an accident unless you are 100% at fault.<\/td><\/tr><tr><td>Arkansas<\/td><td>Arkansas is a modified-comparative negligence state. That means that you can collect compensation after an accident unless you are 50% or more at fault.<\/td><\/tr><tr><td>California<\/td><td>California is a pure comparative negligence state, meaning you can collect compensation after an accident unless you are 100% at fault.<\/td><\/tr><tr><td>Colorado<\/td><td>Colorado is a modified-comparative negligence state, meaning that as long as you\u2019re 49% or less at fault, you can collect damages after an accident.<\/td><\/tr><tr><td>Connecticut<\/td><td>Connecticut uses 51% modified-comparative negligence laws. That means that you can collect compensation as long as you\u2019re less than 51% at fault.<\/td><\/tr><tr><td>Delaware<\/td><td>Delaware is a 51% modified-comparative negligence state. You can collect compensation following an accident as long as you were less than 51% at fault.<\/td><\/tr><tr><td>Florida<\/td><td>Florida recently switched to a comparative negligence model, meaning that you can collect damages if you are less than 51% at fault.<\/td><\/tr><tr><td>Georgia<\/td><td>Georgia is a modified-comparative negligence state, meaning you can collect damages as long as you\u2019re 49% or less at fault.<\/td><\/tr><tr><td>Hawaii<\/td><td>Hawaii has a 51% comparative negligence law, meaning you can seek compensation after an accident as long as you are less than 51% at fault.<\/td><\/tr><tr><td>Idaho<\/td><td>Idaho uses modified-comparative negligence laws. That means you can collect damages after an accident as long as you are 49% or less at fault.<\/td><\/tr><tr><td>Illinois<\/td><td>Illinois follows a 51% modified-comparative negligence law, meaning that you can collect compensation for losses following an accident if you are 50% or less at fault.<\/td><\/tr><tr><td>Indiana<\/td><td>Indiana has a 51% modified-comparative negligence law, which states that you\u2019re entitled to compensation following an accident if you\u2019re less than 51% at fault.<\/td><\/tr><tr><td>Iowa<\/td><td>Iowa uses a 51% modified-comparative negligence law, meaning Iowa drivers are entitled to damages after an accident if they\u2019re less than 51% at fault.<\/td><\/tr><tr><td>Kansas<\/td><td>Kansas has a modified-comparative negligence law stating that Kansas drivers are entitled to compensation after an accident if they are less than 50% at fault.<\/td><\/tr><tr><td>Kentucky<\/td><td>Kentucky has a pure comparative negligence law that says Kentucky drivers can collect compensation after an accident if they are less than 100% at fault.<\/td><\/tr><tr><td>Louisiana<\/td><td>Under Louisiana\u2019s pure comparative negligence law, drivers are eligible for compensation following an accident if they are less than 100% at fault.<\/td><\/tr><tr><td>Maine<\/td><td>Maine has a modified-comparative negligence law that says drivers are eligible for compensation after an accident if they are 49% or less at fault.<\/td><\/tr><tr><td>Massachusetts<\/td><td>Under Massachusetts\u2019 51% modified-comparative negligence law, drivers can collect damages following an accident if they are found less than 51% at fault.<\/td><\/tr><tr><td>Michigan<\/td><td>Michigan follows a 51% modified-comparative negligence law, meaning that drivers can collect damages if they are 50% or less at fault.<\/td><\/tr><tr><td>Minnesota<\/td><td>Minnesota has a 51% modified-comparative negligence law stating that drivers are entitled to compensation after an accident if they are 50% or less at fault.<\/td><\/tr><tr><td>Mississippi<\/td><td>Under Mississippi\u2019s pure comparative negligence law, drivers are eligible to collect damages if they are less than 100% at fault.<\/td><\/tr><tr><td>Missouri<\/td><td>Missouri has a pure comparative negligence law, meaning drivers can collect damages after an accident if they are less than 100% at fault.<\/td><\/tr><tr><td>Montana<\/td><td>Montana follows a 51% modified-comparative negligence law, which means that drivers are eligible for compensation after an accident if they are 50% or less at fault.<\/td><\/tr><tr><td>Nebraska<\/td><td>Under Nebraska\u2019s modified-comparative negligence law, drivers are eligible to collect damages following an accident if they are less than 50% at fault.<\/td><\/tr><tr><td>Nevada<\/td><td>Nevada\u2019s 51% modified-comparative negligence law states that drivers can collect damages if they are less than 51% at fault.<\/td><\/tr><tr><td>New Hampshire<\/td><td>Under New Hampshire\u2019s 51% modified-comparative negligence law, drivers are eligible to collect damages after an accident if they are less than 51% at fault.<\/td><\/tr><tr><td>New Jersey<\/td><td>New Jersey follows a 51% modified-comparative negligence law, meaning you can seek damages after an accident if you are less than 51% at fault.<\/td><\/tr><tr><td>New Mexico<\/td><td>Under New Mexico\u2019s pure comparative negligence law, drivers can collect damages after an accident unless they are 100% at fault.<\/td><\/tr><tr><td>New York<\/td><td>New York is a pure comparative negligence state, meaning you are eligible for compensation after an accident unless you are 100% at fault.<\/td><\/tr><tr><td>North Dakota<\/td><td>Under North Dakota\u2019s modified-comparative negligence law, you can collect damages following an accident if you are less than 50% at fault.<\/td><\/tr><tr><td>Ohio<\/td><td>Ohio follows a 51% modified-comparative negligence law, meaning you\u2019re eligible for compensation after an accident if you are less than 51% at fault.<\/td><\/tr><tr><td>Oklahoma<\/td><td>Under Oklahoma\u2019s 51% modified-comparative negligence law, drivers are eligible for compensation after an accident if they are less than 51% at fault.<\/td><\/tr><tr><td>Oregon<\/td><td>Oregon follows a 51% modified-comparative negligence law stating that drivers can collect damages after an accident if they are less than 51% at fault.<\/td><\/tr><tr><td>Pennsylvania<\/td><td>Pennsylvania has a 51% modified-comparative negligence law, meaning drivers can collect compensation following an accident if they are less than 51% at fault.<\/td><\/tr><tr><td>Rhode Island<\/td><td>Under Rhode Island\u2019s pure comparative negligence law, drivers are eligible for compensation following an accident unless they are 100% at fault.<\/td><\/tr><tr><td>South Carolina<\/td><td>South Carolina follows a 51% modified-comparative negligence law stating that drivers can collect damages after an accident if they are less than 51% at fault.<\/td><\/tr><tr><td>South Dakota<\/td><td>South Dakota follows a slight-gross negligence comparative law stating that drivers can only collect damages after an accident if one party displayed \u201cslight\u201d negligence while the other party displayed \u201cgross\u201d negligence.<\/td><\/tr><tr><td>Tennessee<\/td><td>Under Tennessee\u2019s modified-comparative negligence law, drivers are eligible for compensation after an accident if they are less than 50% at fault.<\/td><\/tr><tr><td>Texas<\/td><td>Texas follows a 51% modified-comparative negligence law stating that you are eligible for compensation after an accident if you are 50% or less&nbsp; at fault.<\/td><\/tr><tr><td>Utah<\/td><td>Utah has a modified-comparative negligence law, meaning drivers can collect damages after an accident if they are less than 50% at fault.<\/td><\/tr><tr><td>Vermont<\/td><td>Vermont has a 51% modified-comparative negligence law, meaning that you are eligible for compensation after an accident if you are less than 51% at fault.<\/td><\/tr><tr><td>Washington<\/td><td>Under Washington\u2019s pure comparative negligence law, you can collect damages after an accident unless you are 100% at fault.<\/td><\/tr><tr><td>West Virginia<\/td><td>West Virginia follows a 51% modified-comparative negligence law, meaning that drivers can collect damages following an accident if they are less than 51% at fault.<\/td><\/tr><tr><td>Wisconsin<\/td><td>Wisconsin has a 51% modified-comparative negligence law that allows drivers to collect compensation after an accident if they are less than 51% at fault.<\/td><\/tr><tr><td>Wyoming<\/td><td>Under Wyoming\u2019s 51% modified-comparative negligence law, drivers are eligible for compensation after an accident if they are less than 51% at fault.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"even-if-not-at-fault\">Even if you\u2019re not at fault, there are legal consequences for driving uninsured<\/h2>\n\n\n\n<p>\u200b\u200bIn every state except <a href=\"\/car-insurance\/new-hampshire\/\">New Hampshire<\/a>, you\u2019re required to carry an insurance policy that includes <a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">liability insurance<\/a>. As such, getting caught driving without insurance has serious legal consequences.<\/p>\n\n\n\n<p>The exact consequences for driving without insurance vary by state, but they may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jail time.<\/li>\n\n\n\n<li>License suspension.<\/li>\n\n\n\n<li>Heavy fines.<\/li>\n\n\n\n<li>Suspended vehicle registration\/license plates.<\/li>\n\n\n\n<li>High insurance reinstatement fees.<\/li>\n<\/ul>\n\n\n\n<p>If you operate a motor vehicle without insurance, your legal options are slim. For your first offense, you may face lighter fines and less severe consequences. Even for first-time offenders, if you\u2019re caught driving without insurance, you may have to file an <a href=\"\/car-insurance\/sr-22-insurance\/\">SR-22<\/a>, and you\u2019ll pay much higher rates when you do buy a new policy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-find-insurance\">How to find affordable auto insurance after a lapse in coverage<\/h2>\n\n\n\n<p>After you\u2019re caught driving uninsured, your best course of action is to get a new policy as soon as possible. <a href=\"\/car-insurance\/is-it-illegal-to-drive-without-insurance\/\">Driving without insurance is illegal<\/a> in almost every state, and you\u2019ll get into even more legal trouble if you get caught behind the wheel without coverage a second time.<\/p>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n\n<p><strong>More:<\/strong> <a href=\"\/car-insurance\/best-car-insurance-companies\/\">Best car insurance companies<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n\n<p>Rates are significantly higher for drivers who have experienced a lapse in coverage, especially after a car accident, but there are a few things you can do to combat this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Shop around with multiple providers: <\/strong>The best way to find affordable rates after an insurance lapse is by comparing multiple <a href=\"\/car-insurance\/car-insurance-quotes\/\">car insurance quotes<\/a>.<\/li>\n\n\n\n<li><strong>Look for discounts: <\/strong>Most insurance providers offer <a href=\"\/car-insurance\/car-insurance-discounts\/\">car insurance discounts<\/a> of one kind or another, even if they\u2019re not directly advertised.<\/li>\n\n\n\n<li><strong>Bundle your home and auto policies:<\/strong> You\u2019ll usually get a discounted rate for purchasing multiple policies from the same provider and <a href=\"\/car-insurance\/car-and-home-insurance\/\">bundling your coverage<\/a>.<\/li>\n\n\n\n<li><strong>Take a defensive driving course:<\/strong> Many insurance providers offer discounts to drivers who take a <a href=\"\/car-insurance\/what-is-defensive-driving\/\">defensive driving class<\/a>. If you take one of these due to a court mandate, however, it won\u2019t count toward a discount.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-jerry-cta\"><div class=\"flex flex-col items-start gap-4 rounded-xl border border-zinc-200 px-12 py-8 md:flex-row md:items-center md:gap-14\"><div class=\"flex-1\"><span class=\"text-xl font-black text-gray-900\">SIMPLIFY YOUR CAR INSURANCE IN MINUTES<\/span><\/div><div class=\"flex-1\"><a href=\"\/signup\/insured?service=insurance\" class=\"bg-primary block w-full rounded-full px-14 py-2 text-center font-black text-white hover:no-underline\">Find savings now<\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2024\/11\/Megan-Lee.png 250w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-150x150.png 150w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-56x56.png 56w, \/wp-content\/uploads\/2024\/11\/Megan-Lee-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Megan Lee            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Megan Lee is an editor, writer, and SEO expert who specializes in insurance, personal finance, travel, and healthcare. She has been published in U.S. News &amp; World Report, USA Today and elsewhere, and has spoken at conferences like that of NAFSA: Association of International Educators. Megan has built and directed remote content teams and editorial strategies for several websites, including NerdWallet. When she`s not crafting her next piece of content, Megan adventures around her Midwest home base where she likes to drink cortados, attend theme parties, ride her bike and cook Asian food.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/01\/Lacie-Glover.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/01\/Lacie-Glover.png 250w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-150x150.png 150w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-56x56.png 56w, \/wp-content\/uploads\/2025\/01\/Lacie-Glover-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Lacie Glover            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Lacie Glover is a Lead Writer and Editor with sixteen years\u2019 experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet\u2019s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor\u2019s degree from Colorado State University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Uninsured drivers face legal consequences after an accident even if they\u2019re not at fault.<\/p>\n","protected":false},"author":19,"featured_media":42430,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"single-advice","meta":{"jerry_authors":"[{\"id\":\"366\",\"type\":\"main-author\"},{\"id\":\"374\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[366],"jerry_idx_page_label":"","jerry_meta_desc":"Uninsured drivers will face legal consequences after an accident even if they\u2019re not at fault.","jerry_related_posts":"[5856,7567,6582]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"yes","_lmt_disable":"","footnotes":""},"categories":[],"tags":[31],"class_list":["post-5172","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5172","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=5172"}],"version-history":[{"count":11,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5172\/revisions"}],"predecessor-version":[{"id":59934,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/5172\/revisions\/59934"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/42430"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=5172"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=5172"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=5172"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}