What will more than likely happen if i was in a car accident without car insurance but was not at fault?

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 15, 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 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.

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