I was in a accident and did not have insurance coverage at the time. I want to know what is ahead.

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Dec 8, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Columbus, OH

Asked on 12/08/2011

I was in a accident and did not have insurance coverage at the time. I want to know what is ahead. I came up behind a school bus (no kids) at a stop sign. The bus went into reverse (lights and everything) and backed into my hood. no one was hurt but it dented my hood so much as i can not open it. I come to find out (due to me not checking it) that i did not have coverage at that time. I have been told that they (insurance company for the school) have the right to refuse my claim even though i have been told that it was the bus drivers fault. I now have to sign a affidavit of no insurance (which is fine considering its the truth) but what does signing it mean? can they refuse my claim?

Answer given on December 08, 2011

Since you were at a complete stop and did not have any fault relating to this accident, I am unsure why they could deny your claim. You not having insurance is not a reason to deny paying for a claim where their driver was clearly at fault. I am not familar with the affidavit of no insurance for the state of ohio.  Try to contact a accident attorney in your state and ask about the ramifications of signing this form.  You can reach an attorney by clicking here

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption