I was in an auto accident, how will this effect me?

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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 4, 2013

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Insurance Question from NULL, NULL

Asked on 12/04/2013

I was in an auto accident, how will this effect me? I was in an auto accident, in which i was not insured. The accident was my fault, I swerved to miss a vehicle that had pulled in my lane - and struck a car on the side of the road. the other party filed a claim against my insurance, which my insurance denied. i settled this out of court with the other party - how will this affect me getting insurance in the future or will it?

Answer given on December 12, 2013

If you cause an auto accident and are not insured, you could face a fine and/or ticket for driving without insurance. When you go to find auto insurance, the accident will show on your driving record along with any ticket you may have received for the accident. The insurance company will charge you for the accident, but should not charge for the ticket too, since they occurred at the same time.Since you settled the claim with the other party, you should not have any specific problems getting insurance, as long as you can prove there is no outstanding settlement due. If there are, then some insurance companies will refuse to write your insurance. However, there are companies that specialize with drivers with such problems. You may pay more for a while for your insurance, but once the accident is over three years old, then you should be considered a good driver and can obtain insurance most anywhere.

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