> Insurance is mandatory in the states too. But that doesn't mean people never drive uninsured, I'm sure it's the same in the EU. What happens if an uninsured d

> Insurance is mandatory in the states too. But that doesn't mean people never drive uninsured, I'm sure it's the same in the EU. What happens if an uninsured driver hits you? You pay the bill entirely out of your own pocket with no repercussions for the uninsured? It depends on the level of insurance you have. If you have "third-party" insurance (the legal minimum), then that doesn't cover any of your costs. Comprehensive insurance is more common which will cover all your costs (excluding an excess), however the insurance company will treat it as a "at fault" claim for you and you may lose any no claims bonus you have. The person who caused the accident will then generally get prosecuted for driving without insurance.