by ojasverda » Sat Dec 27, 2008 08:17 pm
the other vehicle failed to yield the right away at the intersection. and t-boned me.. however i have no insurance but they do. who is liable and will it still be on my record and go against my points.
Posted: Sat Dec 27, 2008 09:10 pm Post Subject:
If the other party was 100% at fault, they will be liable. If you live in a no-pay no play state you will only be able to collect for your economic losses.
Yes, if you were cited, you will still get points and probably need to pay heavy fines. Also, you will probably be required to obtain insurance and pay a much higher premium.
Posted: Sun Dec 28, 2008 04:46 am Post Subject: insurance
I live in PA ( as most of you know). You SURE can pay ALOT of fines for driving without Insurance. I'm sorry about your accident, OJAS. Were you hurt in the accident? Anyone with you?
Posted: Sun Dec 28, 2008 05:09 am Post Subject:
If you can prove the other driver failed to yield then it would be that driver's fault. If that driver admits error, any witness that actually saw the driver fail to yield or photos would also work. If the other driver was at fault then that driver would be liable to repair your vehicle regardless if you have insurance or not. I would tell that driver he doesn't need your information anyhow. However, you now know how easy it is to be involved in any fender bender without much fault at all and this is why it is so important that you always carry insurance. If you can't afford it, then you can't afford to drive. It is a fact, it is the law that you carry the state minimum coverage insurance in order to operate a vehicle.
Posted: Sun Dec 28, 2008 12:58 pm Post Subject:
OP we can't tell for with any certainty who was at fault...depends did the other guy have a control (stop sign or light) and you had none? We would need more details to help with that question (whos at fault)...
Have you been in contact with the other partys carrier? Were the police at the scene? did they give you a ticket as well? and what 'record' or 'points' are you talking about if you were not at fault?
Posted: Sun Dec 28, 2008 02:56 pm Post Subject: insurance
Even if the OP was NOT at fault, wouldn't he have 'points' aqainst his Driving Record, for not having Insurance? I've actually known people who have lost their DL for driving without Insurance. I'll tell ya..the state of PA doesn't 'mess around' with that sort of stuff!!
Posted: Mon Dec 29, 2008 01:24 pm Post Subject:
I don't know if he'd get 'points' for no insurance that is state specific, my state fines you and pulls your license till you pay, and then get an sr22 for ever (not really ever but several years I think)...so it really is state dependent.
Posted: Mon Dec 29, 2008 01:57 pm Post Subject:
In PA I know you wouldn't get points for not having insurance but you will get fines that will make you wish you had never driven with out insurance. I have a brother that has been through all this. They will also have to turn over their license. I am not sure whether it is until you prove insurance or pay the fines. He lost his shortly afterwards on past offenses. His son I who is 13) will get his license back before he will and its already been a few years.
Posted: Mon Dec 29, 2008 10:38 pm Post Subject: insurance
I've heard of the sr22 thing. LORI..what is that? Is that some kind of 'restricted' DL? OH YEA.............BIG TIME fines, in PA, for driving without Insurance.
Posted: Tue Dec 30, 2008 09:35 am Post Subject:
however i have no insurance but they do.
Excellent, this is why some of us have to pay more for the insurance. Have you wondered that why would you get paid for the damages since you don't mind driving uninsured?
Anyways, as the other members have said if the other driver was at-fault you might get compensated for the damages. Was there any police report filed at the spot? Who was determined to be at fault by the police? Have you been cited for driving without insurance?
Posted: Tue Dec 30, 2008 09:45 am Post Subject:
I've heard of the sr22 thing. LORI..what is that?
While lori isn't around I'd take the opportunity to answer the question :D
Sr-22 is a form that the insurance company is required to fill out and send to the state department of motor-vehicle as a proof of financial liability of the insured.
Sr 22 isn't a form of insurance. It's mere a proof of financial liability that states that the insured is able to pay for the damages caused by him/her. Depending upon the state requirement one may have to carry sr22 for three years.
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