So my cousin got into a car accident today...about 25 miles from where he lives, a guy ran a red light and slammed into his left side. Luckily no one was hurt...However, unfortunately, the other driver (a 30 year old man, no less) had NO INSURANCE. He had payed the UMF, apparently, and never planned on hitting anyone. He was also trying to claim that he didn't run the light, but that's pretty obviously not true.
Well, my cousin's car is totaled, and being 21, he doesn't have coverage on his own vehicle...so it's probably going to go to court. That sucks...because not only will his rates go up, but he will have to pay lawyer fees for what should be his rightfully...
Will let you guys know how the story develops.