Can an insurance company sue me for the full amount of a totalled vehicle in a no-fault state if I was uninsured at the time of the accident?

Asked on July 7, 2014 under Accident Law, Michigan

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

If the insurer had to pay out for the full value of a vehicle (such as to its own insured), then it may sue anyone who it believes to have been at fault (e.g. driving carelessly or recklessly) in causing the accident. If it can prove that the other person (such as you) was at fault, it can get a judgment against him or her for the value of the vehicle. The fact that you had no  insurance does *not* mean that you cannot be sued--it just means that you don't have any insurance to help you pay any judgments and instead will have to pay out of your own pocket.


IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.