Posted: Tue Sep 16, 2008 4:28 am Post subject: auto accident...no insurance
Well I hit a car today turning I did not see her and smacked right into her driver side! The problem was I did not have any insurance..so the police officer said if I give him an insurance card before 6:00 he would not site ne a ticket. So I went and took out non-owner insurance and gave him a card. The date states today's date as the effective date. Well I don't know if he is going for it or not but what I do know is now the lady I hit has my info and I didn't have insurance at that time and she wants to turn it in to her insurance. I offered to pay whatever expenses I caused but i don't want my insurance to drop me or think I was causing them fraud I just didn't want the tickets. So 2 questions really can I get in legal trouble for purchsing the insurance and then giving it to the police I mean all he asked was to give him a card and it is my card it just wasn't effective then and am I allowed to pay her insurance company directly? _________________ Register Now to have your Insurance queries solved.
I caused but i don't want my insurance to drop me or think I was causing them fraud I just didn't want the tickets
I understand the ticket part...this ins carrier will not pay this claim even if it is turned in. When a policy is written it also has a time of day on it...and so will the police report it will be very obvious that the policy was purchased AFTER the accident so there will be no coverage...
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So 2 questions really can I get in legal trouble for purchsing the insurance and then giving it to the police I mean all he asked was to give him a card and it is my card it just wasn't effective then
Well yeah maybe...I doubt they will go to that much trouble...and it says the effective date right on it...if they ask you , 'did you just go get this after the accident?" you're gonna have to tell the truth because that is too easy to get caught in that lie...
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and am I allowed to pay her insurance company directly?
Yes, I'd be very upfront with them, ask the lady who is her insurance and tell her you are sorry but you are uninsured, and she will have to file it under her collision coverage, after her carrier pays they will turn it over to their subrogation dept and you can set up a payment plan with them to reimburse them for all the damages you caused including her deductible...it would be a sign of good faith if you can pay her deductible upfront, but if so do it thru her carrier, in other words pay the carrier (talk with the adjuster about this they will be calling you for a statement)....and let the carrier pay her...
Let us know if any other questions pop up...who is the owner of the vehicle? Why were you uninsured? And you need insurance on this vehicle...asap... _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
Can you get into trouble? Sure... and you know that. You knew full well what the officer was asking for. He was, for _some_ reason, under the impression that you had insurance and just did not have proof with you right then. You know this is why he said what he did. If this information gets back to the officer or a judge, they will probably take action accordingly.
You obtained a non-owners policy, so someone else owns the vehicle? Did they have insurance? As the owner they might be held responsible for the accident and/or you might be considered an insured under their policy.
