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: May 8, 2013

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Insurance Question from Belding, MI

Asked on 05/08/2013

What am I responsible for paying? I was in an accident and i didn't have insurance. What am i responsible for paying? My car malfunctioned and I hit another car. I did end up going to the hospital and I know I will be responsible for paying my hospital bills. The other driver was not injured. Michigan is a no fault state but does that apply when I am not insured.

Answer given on August 04, 2013

If you had an accident that was your fault, you are expected to pay for the repairs to the other person’s car as well as any injuries they may have sustained. If you did not have insurance, then you would be personally responsible for such damages and injuries.The other party may file a claim through their own insurance company and they will pay for damages, less the deductible, and any injuries. The insurance company will then, most likely, look to you to reimburse them for the money they paid out.Whether you live in a no-fault state or not, if you cause an accident and are uninsured, you are still responsible for reimbursement to the other driver or their insurance company. No fault does not mean you do not need to have insurance. It is simply a different way of handling a claim, usually based on bodily injury.


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