I was backing out of a gas station parking lot and a girl was trying to turn and I didn't see her but she claims she didn't see me either. I was driving my dad's car because I don't normally work Saturdays and mine uses a quarter tank every time I go to work and back. We exchanged insurance and went
I was backing out of a gas station parking lot and a girl was trying to turn and I didn't see her but she claims she didn't see me either. I was driving my dad's car because I don't normally work Saturdays and mine uses a quarter tank every time I go to work and back. We exchanged insurance and went our separate ways. I'm wondering if anything can come back to me for the suspended license. It happened in Altoona IA and I'm worried if I'm in a lot more trouble than what I'm thinking.
You could be in trouble. When giving a statement to an insurance company, and they will ask you for your side of the story, you're confirming that you were driving on that date at that time. If the insurance company runs your driving record, which they very likely will, they'll know you were driving while suspended. If they say they need a police report filed before they proceed, which they can, you're caught. If you file a police report, the cops will run your licence number and see your suspension.
While you're probably only looking at a fine and extended suspension, your dad may be in a worse place. Most auto insurance contracts have a contract saying they only provide coverage if the driver "is legally authorized to operate the insured vehicle" or some legal-ese phrase like that. It means if the driver doesn't have a valid licence (and suspended ain't valid), they don't have to pay for any damage. That means your dad will have to cover everything out of pocket.
You should really start asking how much trouble will happen before deciding to break the rules. Believe me, it makes life easier in the long run.
Odds are, you will be found liable for backing out and hitting this girls vehicle.
Since driving dad's car, then dad will need to file a claim under his policy. The question will be, will dad's insurance pay or not? If you was listed on the policy (maybe?) but if not, then may not. Also with the suspended license, if there is an (exclusion) in the policy, then won't pay.
This will be a question that insurance will answer.
You have a job. That is good. How many years will it take to pay of damage to 2 vehicles. Also the fines. Buy good walking shoes before court as it will be years before you can buy new ones. Maybe you will get lucky & just go to prison for a few years. If the lady you hit press's it she can keep you from getting a license till you finish paying for all her damage. Once you are out of prison. Then there is your Dad. Does he own a gun?
The circumstances don't matter–you were driving with a suspended license, meaning you are guilty. The insurance company likely won't pay after checking on your driver's license. They will likely report you to the police.
So yes, you are likely to have a lot more trouble.
Suspended license means you can't drive. Period.
I am not sure what the laws are in the state where you live. Your potential fines are going to be high. But not nearly so much as the fact that your Father's insurance costs are going to go through the roof if in fact he can even get insurance. Your father could be fined for allowing a driver without a license to operate his vehicle.
You may be cited for driving with a suspended license…..BUT….With my insurance company in my U.S. state, a citation would have NO effect on who will be found liable for the accident. My insurance would pay regardless…….( they would likely cancel me after they pay). However, some insurance companies in some U.S. states will not pay the claim because you shouldn't have been driving. (insurance laws vary)
Note: The person backing is usually found liable…..but often, in these private parking lot accidents liability is split .50/50
Driving with a suspended license is driving with no license. This also means the insurance you thought you had is void. So YOU are going to be paying for the damage to her car, as well as the fines for driving while suspended and driving uninsured.
then you shall be suspended for even longer, and your insurance rates shall climb higher, you may even face some jail time depending on what the police have to say about it, driving with suspended license is illegal
so you were driving unlicensed and uninsured… that is a problem… you shall be paying cash for damage to both vehicles…