I am uninsured and was hit by an insured driver. Should I contact their insurance or would I get in trouble even if they’re at-fault?

1. 

   2777 POINTS

   view profile
   Terry A. McCarthy, CLU, ChFC

   President, Insurance Associates Agency Inc., West Chester, OH

   There is no guarantee that the absence of insurance will not come back as an issue. However, if you are in a tort law state you are entitled to be made whole for your loss regardless of your insurance status. In most instances your insurance shouldn't come up if the other driver is not contesting the facts.

   Answered on February 1, 2015

   flag this answer
2. 

   14231 POINTS

   view profile
   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   There are two issues here. First, you state that you do not have car insurance yet were driving. I can only assume that the car you were driving is your own, registered to you. In a state like Connecticut, where it is required by law to carry car insurance in order to register and drive a car on public roads and highways, if a police officer was on the scene, you would have been issued a ticket. and possibly would have had your car towed.
   The second issue is that you wer hit by another car. That person, in the absense of any other details, would probably be held at fault for the accident and therefore their insurance company would pay for the damage repair to your car.

   Answered on February 3, 2015

   flag this answer
3. 

   21750 POINTS

   view profile
   Jim Winkler

   CEO/Owner, Winkler Financial Group, Houston, Texas

   This is an interesting question! It sounds as if there was no Officer present at the accident scene? Because if there was, you'd have already found the trouble that you're trying to avoid. I'm not sure where you live, and they might not be able to charge you after the fact, but they might, and they can certainly pay more attention to you if they learn that you are willing to break the law and drive uninsured. So if there was no Officer, and you had no insurance information to exchange at the accident scene, you are really in kind of a 'he said she said' position. Can you prove the other driver hit you if you try to get their company to pay? They should pay, if the other driver was at fault and admits their liability, but if they don't, you may have trouble collecting from them. Bottom line? If you'd been obeying the law and were insured, you'd have no trouble collecting. As it is, you'll have your work cut out for you. Good luck, and thanks for asking.

   Answered on February 7, 2015

   flag this answer
Did you find these answers helpful?
Yes
No
Go!

Add Your Answer To This Question

You must be logged in to add your answer.