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

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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 8, 2011

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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


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