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: Nov 27, 2012

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Insurance Question from Arnold Line, MS

Asked on 11/27/2012

Yesterday I rear ended a car and they do not have any car insurance at all. Yesterday a car slammed on breaks in front of me and I rear ended them. They do not have any car insurance at all. Am I responsible for the damages to their car when technically they should not even be on the road driving at all?

Answer given on November 29, 2012

If you cause an auto accident bo rearending the other party, you are responsible for the damage done to that car. The fact that they did not have any insurance had no cause for the accident. The question of insurance should be handled by the police, if they were called to the scene. While it may be frustrating to be involved in an accident with someone who does not have insurance, it was not their fault that you were unable to stop when they stopped. You were apparently following too closely.You need to call your insurance company or agent to file the claim. The adjuster will investigate the accident and work with the other party to repair the car and pay for any injuries that may have been incurred. If you have collision coverage, your isurance will pay for your repairs, subject to the deductible.


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