I was hit by a car with no insurance, but I am the at fault driver.

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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: Apr 5, 2013

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Insurance Question from Charlestown, IN

Asked on 04/05/2013

I was hit by a car with no insurance, but I am the at fault driver. Hi, my daughter was involved in an accident an will be found to be at fault (she pulled out into traffic and got hit). I only have liability coverage on the car involved in the accident. The person who hit her does not have insurance. Will I be able to recover any money for my car as the other guy did not have insurance, and as such really should not be on the road.

Answer given on April 08, 2013

If you caused an accident, then you and your insurance company are responsible for the damages and injuries caused in the accident. Even if the other driver was not licensed, you are responsible. The other driver probably will face fines from law enforcement for failure to carry insurance, but it does not change the fact that you caused the accident. The fact that he was on the road really doesn’t absolve you from responsibility and really had no cause for the accident.Contact your insurance company and file the claim for the damages to the other party’s car. If you do not have physical damage, or collision coverage on your car then you will have to pay for the repairs to your car. Your rates will also probably increase since you caused the accident. Talk to your agent or insurance company to see what the accident will do to your rates.


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