if i hit a car and they do not have insurance am i still liable to pay for there damages

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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: Jan 18, 2013

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Insurance Question from Sandpoint, ID

Asked on 01/18/2013

if i hit a car and they do not have insurance am i still liable to pay for there damages if i hit a car and they do not have insurance am i still liable to pay for there damages

Answer given on January 23, 2013

If you cause an auto accident and damage someone else’s car, your insurance company is expected to pay for their repairs. The fact that the other driver does not have insurance, does not absolve you from being responsible for the damages caused in the accident, or the injuries incurred due to the accident. You should report the accident to your insurance company and let them handle the settlement of damages to the other party’s car. If you have collision coverage, then your car will be covered too, less your deductible.If the police were called to the scene of the accident, they may take action to cite the other driver for failure to have insurance. If there were no police called, you should still file a report of the accident providing the information on the other driver. Then DMV will determine if they had insurance and if not, may cite them and/or suspend their driver’s license.

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