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 Posted: Wed Apr 30, 2008 2:52 am Post subject: I got in accident but had no insurance!HELP!!! |
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| Today I got into an accident in NY and when I called my insurance company they said that my policy is cancelled as it was due to be renewed on April 17th a few weeks ago and they been trying to contact me...The guy was totally at fault and witness's pulled over and gave me their info as they saw i was in the right. The cops were not calld that god now that i know what i know but what do i do now and can i do anything or am i screwed??? |
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danielle0802
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Joined: 30 Apr 2008
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| Posted: Wed Apr 30, 2008 3:27 am Post subject: |
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You call the other person's carrier and file a claim.
You also renew your policy so that you can legally drive your own vehicle. |
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tcope
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| Posted: Wed Apr 30, 2008 7:26 am Post subject: |
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How could you be screwed?
I understand that you might be the uninsured motorist right at that point of time..but how if you were not at fault, then I don't see any reason to worry about!
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Plasticmind
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| Posted: Wed Apr 30, 2008 7:38 am Post subject: |
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Hi danielle0802,
| Quote: | | You also renew your policy so that you can legally drive your own vehicle. |
Exactly thats what you need to do!
Try to explain the entire thing to your carrier this time, since I have this thought that they might just see this accident as an opportunity to draw a premium hike (especially when I don't know much about your driving record).
Regards,
Plasmahectic
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Plasmahectic
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| Posted: Wed Apr 30, 2008 10:37 am Post subject: |
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Looks to me like to dodged a big old bullet....as tcope said file the claim against the other drivers company, and they should handle your damage...and GET YOUR POLICY PAID....and don't let ''that'' part happen again.
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Lori
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| Posted: Fri Mar 20, 2009 5:11 pm Post subject: HAD A ACCIDENT |
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MY FAULT, ME AND THE GUY AGREE TO TAKE OF DAMAGE MYSELF, DUR TO NO INSURANCE, NO COPS WHERE CALLS, NO WITNESSES. WHAT SHOULD I DO. AFTER AGREEING HE CALL THE COPS WHEN HE GOT HOME
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OLIVIAS
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| Posted: Fri Mar 20, 2009 8:03 pm Post subject: |
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If the police come asking you whether or not you got in an accident, you can't very well lie and say no (even though there were no witnesses). You got into an accident with no insurance, and unfortunately you're going to have to deal with the consequences.
You will still have to pay for the damage, but you need to find some insurance as soon as possible! You may have your license suspended depedning on what state you're in, and you may face the other guy claiming he has injuries.
The bottom line is that you made a mistake, and now you need to not only figure out how to deal with it...but make sure it doesn't happen again in the future. You may need to contact an attorney. Good luck, and feel free to contact us with any questions! |
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ChrisBantly
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| Posted: Sun Mar 22, 2009 3:45 am Post subject: |
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well, it is most unfortunate for your insurance to expire at that kind of timing. if you're uninsured that the time fo the accident, you may have to discuss with your policy dealer and the other party. most likely, you'll have to deal with the consequences. but since the other party was in the wrong, you may find yourself having to pay less.
i'd advise you to renew your insurance asap. i don't think it is as serious as chris made it out to be, but it is good to be prepared. |
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seven7
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