by Guest » Tue Nov 24, 2009 08:52 am
I was waiting for a pedestrian to cross the street so I could turn right and this lady rear ended me. She was really nice and we talked to her insurance and she admitted she as at fault numerous times. I told her I didnt have insurance and her insurance company suggested we dont call the police, so I dont get a ticket along with a car accident. My trunk on my car is dented and a tail light is broken and thats about it. She gave me all her insurance and contact info and I gave her my contact info. But what am I supposed to do now? I really cant afford a no insurance ticket right now. Ive had a headache since the accident but dont want to go to the doc cause I am scared Ill get in trouble for no insurance.
And I did have insurance. It just expired about a month ago and I didnt know that. The insurance wasnt in my name but I was on it.
And I did have insurance. It just expired about a month ago and I didnt know that. The insurance wasnt in my name but I was on it.
Posted: Tue Nov 24, 2009 11:38 am Post Subject:
You just need to contact her carrier and file a claim. It shouldn't matter if you were uninsured (in this instance). You need to let them know that you have a claim for your vehicle damage and for your injury.
And.....you need to get insurance (NOW)
Posted: Wed Nov 25, 2009 07:17 am Post Subject:
Yeah..if you're not at-fault then why are you scared to file a claim? Go ahead with your claim and also make sure that you get the right treatment for your injuries.
Posted: Wed Nov 25, 2009 04:03 pm Post Subject:
Let's see...you were on the insurance that expired ? So that translates to ? "the insurance was in someone else's name"? But it's your car ?
Sure seems like you've got a lot more variables than the normal situation we encounter every day. You are entitled to get reimbursement, so why wouldn't you ask for it ?
Posted: Wed Nov 25, 2009 08:12 pm Post Subject:
Ashes,
if you were not at fault then whether or not you have insurance doesn't affect the at-fault party's liability. It's their fault, they (or thier insurer) have to pay. Your lack of cover could cause some logistical issues if the at-fault driver is underinsured, but barring that you should be ok.
As mentioned earlier though, you REALLY need to get some insurance in place.
Posted: Wed Nov 25, 2009 10:35 pm Post Subject:
A few states have 'no pay no play' statues..however, the ones I've read only disallow the uninsured 'victim' any non-economic losses (ie BI pain and suffering) but I've never read one that disallowed vehicle repairs...file the claim already.. :wink:
Posted: Thu Nov 26, 2009 01:19 am Post Subject: accident
I'm probably wrong saying this, but..if I am, please correct me. If someone has NO Insurance and gets into a wreck, isn't the accident AUTOMATICALLY their fault for NOT having Insurance? I know you can get some hefty fibes for not having any in most states (I live in PA).
Posted: Thu Nov 26, 2009 01:23 pm Post Subject:
No not at all the fact that a person is insured or uninsured has nothing to do with the determination of liablility (who was at fault)
Posted: Fri Nov 27, 2009 06:12 am Post Subject:
Hey Lori..by non-economic losses do you only mean 'pain and suffering'? Or do you include hospitalization/surgeries as well?
Posted: Fri Nov 27, 2009 10:22 am Post Subject: insurance
I know every state has their 'laws and policies' about NOT having Insurance. LORI.....just for MY own info...................what can the MAX penality be if you have NO Insurance if you are in an accident?
Posted: Fri Nov 27, 2009 12:25 pm Post Subject:
Hey Lori..by non-economic losses do you only mean 'pain and suffering'?
pretty much..non-economic losses are losses that you aren't actually out any money..Or do you include hospitalization/surgeries as well?
No medical bills would NOT be non-economic losses, they would be economic losses therefore paid.what can the MAX penality be if you have NO Insurance if you are in an accident?
Well, in my state, I'd could my license and any plates that are in my name, be charged a $200 fine (could be more now, been a long time since I worked in subro)..have to carrie an SR22 for many years, and of course be subject to whatever judgement the innocent party or their carrier got against me for the damage I caused.Add your comment