If I had no insurance and caused an accident, what happens now?
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If I had no insurance and caused an accident, what happens now?
Asked on August 27, 2015 under Accident Law, Florida
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 8 years ago | Contributor
What can happen is that if you caused or were at-fault in an accident, any person injured or whose property e.g car was damaged by you can sue you for their property damage such as cost to repair, medical bills, lost wages if any, and--for serious injuries--possibly "pain and suffering"...and, without insurance, you will have to pay compensation to them out-of-pocket, from your own money. Not having insurance doesn't mean you can't be sued--it just means that if you are sued, you don't have insurance to foot the cost for you.
If you are sued and the judgment court ordered amount to pay is too large, you may then have consider bankruptcy as an alternative, since bankruptcy can work against debts owed due to court judgments.
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