Was in accient and without insurance......

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PostPosted: Thu Nov 08, 2007 6:52 am   Post subject: Was in accient and without insurance......  

Hi all, here is my case......



I had received ticket for rear-ending another vehicle. I couldn't present any proof of financial liability as I was about to get my insurance. The next day I received it.



What can be the consequences? Do I have to pay for the damages caused by me? If the other party's insurance company move to the court, what amount the court will ask me to pay? Please help, I am young and don't want to lose the coverage.


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TimLandel
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PostPosted: Thu Nov 08, 2007 7:18 am   Post subject:   

What was the extent of the damages? Because it will decide the amount you may require to pay to the other party. I am sorry to say but you may have to pay for the damages (if there is any) if you want to avoid the other insurance company filing “No Insurance-Financial Responsibility” against you with the state DMV.



As you have mentioned that you are young then it will be wiser on your part to be proactive.


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downhillfarmer
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PostPosted: Thu Nov 08, 2007 8:24 am   Post subject:   

Hi Tim, first, I am not sure that the court will charge you anything at all.



Second, its quite unfortunate that you had received the policy next day. Well what's the date of commencement of the policy? If you can prove before the court that the date of commencement of the policy is prior to the date of accident, you can actually prove that you were insured at the time the accident happened.



Take care.


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Alaska-Usher
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PostPosted: Thu Nov 08, 2007 8:58 am   Post subject:   

Agreed. You should better be proactive. If the insurance company informs the state department….the dept will then make you pay for the damages. And in case you fail to pay the compensation…you may get your license revoked and will be asked to submit SR-22 before getting it back.



Well, have you received any call from the other party's insurance company? If not, then you may stand a chance that the other driver hasn't reported it to his carrier yet. Call him up, you may be able work out a settlement with him.



Mrplasticface Neutral


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Mrplasticface
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PostPosted: Thu Nov 08, 2007 11:07 am   Post subject:   

Good morning TimLandel and welcome...



Let's see you've got yourself in quite a pickle haven't you?



First it appears that you will be held 100% ''at fault'' for this loss, rearending someone rarely goes to the rearended one....So let's assume that is the case....



downhillfarmer, I don't see that this makes any difference,

Quote:
What was the extent of the damages? Because it will decide the amount you may require to pay to the other party.
He (Tim) will owe for all damage he caused to this other vehicle as well as any injuries sustained by the occupants (unless he is in a P.I.P. state and the injuries do not meet the thresold).



Quote:
I had received ticket for rear-ending another vehicle. I couldn't present any proof of financial liability as I was about to get my insurance. The next day I received it.
I'm sorry Tim but it ''looks and sounds'' like you were driving 'care free' without insurance and then got into an accident and THEN decided you'd better get some insurance. Now only you know the TRUTH about that. When did you purchase the vehicle? Then how many days did you drive this vehicle without insurance? One thing to consider, if you had prior insurance on another vehicle or this is a new addition (the vehicle) to your policy then generally speaking you have thirty days to add it. Who's name is on the title? or Who's name is the vehicle going to be in? Are you a minor? Do your parents have insurance on other vehicles? Is their name going to be or is it on the title? I'm hoping we can find some coverage but doubtful this will be case. Let us know the dates, and answers to these questions etc.



Quote:
What can be the consequences?
The can be anywhere from just paying a ticket, to a large fine, loss of license, tags, required sr22, judgement for damages, wage garnishments etc. You're not going to be hung, or likely thrown in jail. And more than likely it will land some where in between. It really depends on your state and the Judge.

Quote:
Do I have to pay for the damages caused by me?
Well Tim that's a silly question, of course. Shocked Do you not think you should?

Quote:
I am young and don't want to lose the coverage.
I don't know what you mean by this, what coverage? What is your age?



Have you heard anything from the other insurance company AT ALL? or the driver/owner of the other vehicle? I would advise you first DO NOT HIDE from them. Be honest and truthfull and offer up a payment plan for this damage that YOU caused. Have that agreement with you when you go to court and tell/show the Judge, "" I messed up your honor, I didn't have coverage and should not have been driving, but I have made arrangements to pay for this damage, and here is the proof that my vehicle is now insured''...



Let us know the answers, and perhaps there is some coverage for you out there.....Hard and tough lesson Tim, I'm sorry that someone didn't advise you BEFORE about the dangers of driving without insurance. But then again would you have listened? and truth is you knew right? Wink
Lori
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Lori
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PostPosted: Fri Nov 23, 2007 8:07 pm   Post subject:   

You will have to pay for the damages or loose your license. If the other driver had full coverage, you'll most likely be able to set up payment arrangements (monthly payments) with them and without going to court. That's just the price of driving without insurance. Be glad you didn't hurt anyone (I assume).

Rick01
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