Uninsured car hit
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Uninsured car hit
My car was uninsured due to miscommunication with my exhusband and was hit by another car in a parking lot. Does the other insurance company have to pay for my repairs?
Asked on March 15, 2016 under Accident Law, Alaska
S.L,. Member, California Bar / FreeAdvice Contributing Attorney
Answered 5 years ago | Contributor
Since you were not at fault in the accident, the at-fault party's insurance paid for the repairs to your car which would be the case whether or not you had insurance.
Since you are uninsured, you will have to inform the at-fault party's insurance company because they are holding up paying for the rental car unless you provide a letter from your nonexistent insurance company.
Being uninsured and not at fault in the accident does not affect your claim with the at-fault party's insurance; however, if that company informs the Dept. of Motor Vehicles that you were uninsured, the DMV might suspend your license until you provide proof of insurance. The DMV might prevent you from renewing your vehicle registration until you provide proof of insurance. The laws vary from state to state regarding the consequences of being uninsured, and your state may have other penalties imposed by the DMV for driving without insurance.
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