got hit by a truck and i had no car insurance

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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: Dec 2, 2011

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Insurance Question from Lake Quivira, KS

Asked on 12/02/2011

got hit by a truck and i had no car insurance got hit by a 4x4 truck right in front of kids school! she must have been going pretty fast because i was yielding barely rolling into (maybe going 5 mph.and she came out of no where! it was clear i was going south bound turning east into school circle.she was driving south bound and t- boned me(kinda) front tire, passenger side. both airbags deployed thank goodness the children weren't in the car.my car started back up,flat tire needs new windshield , but her truck the radiator was smashed into fan and wasn't drivable. i hadn't paid my insurance expired 11-05 this happened11-27.

Answer given on December 07, 2011

If you were involved in an auto accident that was your fault and had no insurance then you could be held responsible by the other party’s insurance company for the money spent by them to repair the other person’s car. The company can go to court to obtain a settlement against you for the damages.If you were turning and the other party struck you in the turn, it would be considered to be your fault. Your description of the accident says you were both going southbound, so if that is the case, it’s hard to determine how the other party would have broadsided you while you were turning unless she was attempting to pass you. If that is the case, then the accident may not be considered your fault. However, you would still be subject to fines or tickets for not having valid insurance at the time of the accident.


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