Having insurance or not having insurance did not cause the collision- negligence caused it. Say you’re sitting at a stop light patiently waiting for the green light when suddenly you’re hit from behind — causing you some serious whiplash and probably some damage to your car. After pulling to the side of the roa you get out to assess your vehicle and talk with the driver who hit you.
The back of your car is smashed in and you’re sensing a doctor visit in the future for your aching neck. The at-fault driver looks panicked — and when you ask him for his insurance information he tells you that he doesn’t have any. If you get into a car accident, regardless if the other person has insurance or not, it’s always a good idea to call the police.
But if you’re dealing with an uninsured driver, calling the police is even more important, since their report will help get your expenses covered and make the claims process. See full list on amfam. Whew — now that you have all of the information you nee you’ll want to contact your insurance company to inform them of the accident. Make sure you say you were hit by an uninsured driver since that’ll affect the entire process.
Here’s where all of that above information you collected will come into play. Have the following on hand when calling to make a clai1. Have your insurance card out — you’ll need your policy number.
They’ll ask for the date, time and location of the accident.
Remember all those details you wrote down and the pictures you took? You’ll be asked to provide a detailed report of how the accident occurre so have those with you to make your report as descriptive as possible. Typically, the claims representative asks for the insurance info of the other driver involve but since that’s nonexistent, you can provide the contact information the at-fault driver gave you. Given you called the police, you’ll provide the name of the police departmen.
If you’re hit by a driver in a no-fault state, things will be a little different come the claims process. A no-fault state means that no matter who was actually at fault for the accident, it will be your insurance provider who will pay some or all of your medical bills and lost earnings. So whether the driver has insurance or not, you’ll file the claim with your insurance company. You never know when or if you’ll have a run-in with an uninsured driver — but it could happen to anyone.
The good news is there’s a way to be proactive about your protection in the event you were to be hit by someone without auto insurance. Insert uninsured motorist coverage. This is an optional coverage in most states, but it’s such a good idea to have that over states actually require it.
What is uninsured motorist coverage? Well, if you get into an accident with someone who doesn’t have insurance, you’ll be happy you have this coverage, since your insurance provider will step in and help cover costs for bodily injuries to you and your passengers — which is typically what someone’s liability insurance does. It’ll help cover your medical expenses and loss of income, among other expenses.
If you don’t have uninsured motorist coverage, you could take the at-fault driver to court to sue for these incurred expenses. But this could take time and money with no guarantee you’ll win a s. If you have no insurance, you should not be driving the car.
Given your scenario i think it would be best for the other driver to pay for the damages out of pocket. You will lose your license. An as far as recovery, it depends wildly on what state you are in.
Some states, like Michigan, limit what you can. The reasoning behind this rule is that if you don’t have the required auto insurance that could provide full compensation to another person, then you shouldn’t be able to claim the full benefits of someone else’s insurance if you’ve been the victim of a car accident. Can you sue someone for not having car insurance? What do if someone hit me without insurance?
It is important to move quickly that way your insurance company is properly notified. Not only will you have to determine who was at fault, but you will have to deal with insurance companies and their adjusters. Yes, for damages that are beyond your auto insurance coverage level.
Call the police, don’t accept money at the scene of the accident, swap information, gather details, and take pictures. If you cause an accident but have no proof of insurance , it’s less serious than being uninsured. You may get a citation but could potentially get it dismissed by showing proof of insurance in court.
The kid who ran into the back of my car has insurance and his insurance company is telling me they will only pay $500. Who pays to fix my car ? It’s an optional form of protection that can be added to your policy for a minimal cost. However, you could be given a traffic ticket by police for having no insurance. The other driver and the police expect you to present your insurance information.
If you drive after that, the state will hit you with fines and possible jail time. If you are involved in an accident with a driver who does not have any car insurance at all, you will likely have to turn to your own insurance company to cover your damages, assuming you are properly insured. Uninsured motorist coverage is additional coverage that you can purchase from your insurance company. It is a myth that if you are not at fault in the accident that you do not need to speak with your own insurance provider.
Report any damage to your vehicle to your insurance provider and they will assist you in filing a claim against the other party to officially start the process. If someone hit me with no insurance who will pay for the damages of my car someone hit me and they have no insurance will i have to pay for the damages to my car they. When the carrier must be notified depends upon the language in the contract. In most contracts, there’s not a specific time frame but a requirement to call the insurer “within a reasonable time.
Permissive use means that if you give another driver permission to take your car , they will be covered by your car ’s insurance coverage. NOTE: Your own policy provides the primary coverage, not theirs. Car Insurance Follows the Vehicle. It’s a common misconception that car insurance follows the driver.
Will she still have to get it fixed? I was at work and a lady backed into my car. And i was on private property. I have no insurance but she does.