AUTO INSURANCE/COLLISION QUESTION!! Please help!!?

Answer from a General Insurance Agent

Yes, You can still file a claim with the at fault parties insurance company.

Not being insured yourself does not effect the liability of the at fault party.

You may however receive a ticket and have your drivers license suspended for driving without Insurance. If so you will have to have your insurance company file an SR22 or an SR21 for a 2 or 3 year period to have your license reinstated.

Fines for "No Insurance Tickets" along with Drivers License reinstatement fees in my state total approximately 900 dollars before the increased cost of auto insurance.

Auto Insurance with an SR21 or SR22 endorsement will cost you more money than it did without one.

Any lapse in coverage during your 2 to 3 year filing period will result in automatic and immediate suspension of your drivers license again.

You can hire a lawyer if you want, but the outcome will be the same except you will also have legal fees to pay and the lawyer will drag it out for months or even years so as to bill you even more. At some point the attorney will even tell you it's time to go get your SR21 or SR22, Which of course you now already know you will need.

I've personally written over 20 thousand auto policies in my time and have seen this exact scenario hundreds of times.

Good Luck

The folks that are posting that you are automatically at fault for having no insurance are simply wrong. Having no insurance has no bearing on liability. Mary's brother was obviously at fault for the accident. That is why he had to repay the other party.

CA is a "No Pay, No Play" state. Meaning you cannot recover non-economic damages(pain and suffering) if you do not have insurance. There are other states with this statute. FL is a No-Fault state and that has nothing to do with the damage to your vehicle.

Call the other party's insurance company and file a claim.

You need to file a claim with the at fault carrier. They will handle your damages as long as their insured's policy is in order and they accept liability. It will not matter that you did not have coverage at the time of the loss. I do recommend that you get insurance as soon as possible though as you don't want to shoe to be on the other foot. Even if you don't have a lot of money get the required liability limits for the state your reside in.

Not having insurance doesn't change who's at fault for the accident and it doesn't change the liability of her insurance carrier. You need to contact them to submit a claim.

You may be faced with some issues down the road. Driving without insurance can cause DMV to suspend/fine you. You'll need to file an SR21/SR22 for a period of years.

I know of no law that says, in order to be covered by anothers insurance that you must also have insurance. You should be allright. You may, however receive a ticket for driving without insurance but the damages to your vehicle should be covered. But.........Go Get some insurance now !

OK, the same thing happened to my brother 3years ago. You may not like the answer but you technically had no insurance and you will be put at fault considering you were driving with no insurance. My brother had to pay out of pocket for the other persons car rental and deductible; the insurance then billed him for the total amount to fix the other persons car which he made payment arrangements for. His car was non operable and he had to make payments on a car that he could not drive.

Sorry sounds like your in a bad position. I've been in three accidents 1 my fault 2 not my fault; so I know a little about insurance.

I live in California, I don't know if that makes a difference but my brother was pursued by the other insurance company. Since he let his policy lapse his insurance said they would not help him.

The physique save and the coverage estimate would be particularly close. It as a rule relies upon on the save hourly fees. that's a variance of $500-$one thousand.00. additionally, many times the coverage business enterprise will low ball the estimate to be certain you get the vehicle repaired and the physique save has the skill to request a supplement for further costs or damages.

Some states have laws that make anyone without insurance at fault in the accident on the theory that if they shouldn't have been on the road driving . California and Florida are that way.

if your in tx.. i can give you my lawyers name.. im in the same situation you can get help