Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 16, 2011

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Insurance Question from Darlington, RI

Asked on 08/16/2011

If you don’t have insurance in RI , Are you automatically responsible for the accident? Also can they take the license away Accident accure in RI. No Insurance, other drivers fault. but because I had no unsurance they want me to pay for the other drivers ambulance bill. I was stopped and the other driver side swiped my car. now they want to take my license away.

Answer given on August 19, 2011

The lack of insurance does not make you automatically responsible for an accident. The fault of the accident needs to be determined by an investigation by the police and the insurance companies. If you were stopped and not at fault, then you have no responsiblity for any injuries to the other party. You should speak with the authorities to see if they have filed the report and who was determined to be at fault. That will help you work with the other party’s insurance company to have them pay for the damages to your car.However, it is possible that you could lose your license for not having insurance, whether the accident is your fault or not. Many states have laws to suspend a driver’s license if he is not insured. You can usually get your license reinstated once you obtain auto insurance and send proof to the Dept of Motor Vehicles. You should speak with an insurance agent who can help you arrange for insurance and the proof to be sent to the DMV.


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