For personal reasons, I missed my last payment on my car insurance and was driving uncovered. I was sideswiped by an SUV, completely their fault. Is there anything I can do being I had no issuance? Helpful answers only please, I am fully aware I shouldn't have been driving but unfortunately, I have no other
For personal reasons, I missed my last payment on my car insurance and was driving uncovered. I was sideswiped by an SUV, completely their fault. Is there anything I can do being I had no issuance? Helpful answers only please, I am fully aware I shouldn't have been driving but unfortunately, I have no other choice for my job. If I were to pay my late fee and have insurance back, could I use it for this accident?
Ella: If you had an accident with no insurance coverage, you will have to pay damages out of your pocket. Once you do you will be okay because you have taken financial responsibility for your damage.
However, depending on where you are, you may get a ticket for driving without insurance. Usually though if the police are at the scene of an accident they will write any tickets right then, so if they didn't you probably don't have to worry about that.
Worse case, and hopefully it won't happen, if you are at fault and the person damaged discovers you aren't covered, they can suddenly develop serious whip lash and try to hit you for medical expenses. If that happens hopefully your police report will save you.
Sorry it happened.
Insurance Is not retroactive. So you are out of luck there. As to not being at fault? Keep in mind there are always two sides of a story. I am sure the SUV driver is going to blame you, and try to use you
'no insurance' condition as a weapon, when it really should have no consequence one way or the other.
If you were charged or ticketed for having no insurance, pay the fine.
In a sideswipe kind of issue, fault will probably be a 'driver-vs-driver' type thing that his insurance company will assess for the accident. Thus making you half at fault and him half at fault. So be advised that they may wish to try and get 1/2 the damages caused to the other vehicle from you. And that does not mean that you can also try and get 1/2 the damages to your car from them.
Once again have to explain that negligence (fault) has NOTHING to do if not licensed or have insurance. You can be fined or ticketed for that, but if no liable, then the other party pays for the damages.
And, NO, your insurance won't pay, since you was UN-INSURED when this accident happened. They can reinstate the policy, but on the date you pay your premium, but any accidents while no insurance is NOT covered.
But, with a sideswipe, could be a problem and since the other party could say YOU sideswiped them. Or, insurance could find that both of you are equally at fault and not pay or pay 50%.
Since no insurance, you will have to wait to see if the other insurance deems him at fault and pays for your damages, and if not, you have no one to fight for you.
You can file a claim with the other party's insurance. Your insurance will not cover the accident in any way but they may help you through the proceedings if your insurance is reinstated. Keep in mind, you may still get a ticket for driving uninsured and you will be responsible for that and anything it entails separate from the accident.
Maybe. It depends on where this happened. In some states, the insurance of the person who caused the accident is allowed to pay for everyone's damages. However, in many states, it is against the law for insurance to pay for damage to any vehicle that was being driven without insurance.
Fault is something decided by the involved insurance companies. You don't have one, the other party will likely refuse your claim under the "You should not have been driving with no insurance, and you had not been there the accident would not have happened." clause. If they do, what do you do?
The police report will reflect who is at fault. You file a claim with the other driver's insurance company. You do have a police report?
i doubt your insurance company will cover you ( late payment means arrears ) bye the way you do have choices ( ask for a ride from a co-worker )
Actually it is your fault as you had no legal right to be on the road.