What will more than likely happen if i was in a car accident without car insurance but was not at fault?
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UPDATED: Dec 15, 2011
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Insurance Question from Hobart, IN
Asked on 12/15/2011
What will more than likely happen if i was in a car accident without car insurance but was not at fault? An old couple turned in front of me and I hit them. The police report says they are at fault. I am still making payments on my car and was supposed to have full coverage but failed to do so because i was not working and my car is completely totaled. I have back, neck, shoulder, and chest injuries and had to go to the hospital. Obviously i have no insurance company to make a claim and am freaking out because i dont know what to do. Please help with as much advice as you possibly can. Thank you.
Answer given on December 17, 2011
When you are involved in an auto accident and you don’t have insurance, the police can give you a ticket and/or fine you as well as suspend your driver’s license. To get your license back you will need to provide proof of auto insurance for a time period of 1-3 years.Since the accident was not your fault, the other insurance company is responsible to repair your vehicle, or pay you for the amount it was worth at the time of the accident. That will not necessarily payoff your loan, as often times the actual cash value of the car is less than the loan amount. The balance will be something you will have to work out with the loan company.Your injuries will also be covered by the other insurance company. However, they will generally wait for all of the bills to come in before they will offer a settlement, so you may be responsible for paying the hospital and doctors while receiving treatments. At the settlement time for your injuries you can ask for an additional amount of money for your pain and suffering. It will take time to settle that part of the claim. Be sure to keep records of all expenses so you will be prepared.
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