places major penalties on drivers involved in an accident while uninsured. If you are uninsured at the time of an accident
, even while not at fault, you are not eligible to claim the first $15,000 of bodily injury or the first $25,000 in property damage. You are only eligible to recover liability payments if your medical bills exceed $15,000 in bodily injury or you experience property damage above $25,000. An example: If your medical bills are $20,000 after an accident where you are uninsured, you could recover only $5,000 from the total amount. If your bills are less than $15,000 then you can not recover anything.