I got into a car accident without insurance. Now what?
It is a requirement in the majority of states for drivers to carry automobile insurance. If you get into an accident without insurance, the fault of the crash will determine what happens next:
1. The accident is the other driver’s fault. In this case you can file a claim against the other driver’s insurance company for vehicle damage and injuries suffered. If you live in a “no-fault” state, this means your insurance company would normally pay for a portion of your injury and damages. Without insurance, some or all of this responsibility may fall onto you. Examples of no-fault states are Michigan, New Jersey and Pennsylvania. In no-fault cases, you may wish to consult with a motor vehicle accident lawyer about what happens when you get into a car accident with no insurance coverage, especially if you or a family member was injured.
Not having auto insurance during a car accident may affect your right to compensation. A lawyer can advise you regarding your rights and help you settle with the other party’s insurance. If a settlement cannot be reached, firms such as Goren, Goren & Harris may see cause to file a lawsuit. No fees will be required unless your suit is won or settled successfully.
2. The accident appears to be your fault. When an auto accident happens with no insurance coverage on one driver, the other driver’s uninsured motorist coverage will usually kick in. However, the insurance company that has to pay may seek financial compensation from the uninsured driver. If you are that driver, you may be able to settle with the insurance company for a smaller amount than it paid out. However, some accidents are not clear cut. Both parties may share responsibility or an investigation may be required.
Know what to do in a car accident before it occurs, especially in regards to claims of responsibility. Contact our legal team today for additional information on your specific accident situation.