What to do ifI and an auto accident but my coverage was lapsed?

What to do ifI and an auto accident but my coverage was lapsed?

I was involved in an auto accident. I rear-ended a couple when they slammed on their brakes. I received a ticket for following too close and an expired insurance card. When the officer pointed out that my card had expired I quickly made an insurance payment not knowing that it was time to renew. The insurance company accepted my payment and did not alert me that my policy had previously “cancelled”. When I called to file my claim the agent took my information and statement and said an adjuster would contact me within 48 hours. This morning the adjuster called an informed me that I had a lapse in coverage during the time of the accident. The other vehicle involved in the accident didn’t incur near the damage as my vehicle and they are insured. My car has a lienholder and they have not been notified of the accident and I am unsure if they will be. What is the best thing that I can do to protect myself from being sued and losing my license?

Asked on March 12, 2012 under Accident Law, Tennessee

Answers:

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