Ask Me Help Desk - Unlicensed & uninsured accident

I am a licensed and ALWAYS insured driver, or so I thought... My stupid dad forgot to pay the car insurance (I'm over 18 and own the car) and my unlicensed boyfriend borrowed my car that week and got in a wreck. For whatever reason the insurance came up as current but today my insurance company told me it had lapsed by a few days and their not covering the accident. My boyfriend's license was taken away in 2006 due to unpaid tix (he was poor, not cheap). The fines piled upon each other and got way out of hand. He told the cop at the scene that he didn't have a license and they impounded my car for 30 days, but issued him no ticket. He showed the insurance in the glove box and it came back fine at the time. Are they now going to mail him a ticket? I was planning on just paying off his debt to get his license back, but if they're just going to take it away again, I can't afford to pay all the fines right now cause he won't be able to pay me back. He's a mechanic and any decent, worth having job in the field requires a license so you can test drive the repaired cars. I live in California and don't know how this all works. Are they going to take my license too? I wasn't even there. Did he get lucky or are the tix probably coming still? Up until this incident all he had to do was come up with 4k t pay his old debt and he could get his license back, do we have to wait another year now? Is there any way to beg for a restricted license to get to and from work and for work purposes. I understand most people can take a bus to work, but you can't not test drive a car and be a mechanic. Not having a license is and has been hindering his ability to pay his fines, is there anything we can do?

1. Officers are not required to ticket in some cases,
2. I would guess he will get a ticket for no insurance and no license mailed to him latter.
3. If you allowed someone to drive your car uninsured, yes it is possible for you to receive a ticket also, but I would say unlikely.

Now the real issue is who was at fault, if he was at fault, you will need to be writing checks to get the other persons car fixed, That is where the court is going to catch you, they often suspend YOUR license until all of the damages are paid if the accident was his fault ( and his license also)

From what I have been informed the other car's bumper is just a little scratched up and it wasn't even a super new, expensive car, so it can't be that much. My boyfriend was at fault, but he is only liable for what damage he did to the car right? (my car is totaled and not worth getting out of impound) If they try to claim BS injuries, previous damage to the car etc, that's fraud isn't it? If all that happened was a dinged bumper, is that all I am responsible for (to the driver)

Quote:

Originally Posted by sh1thappens

from what i have been informed the other car's bumper is just a little scratched up and it wasn't even a super new, expensive car, so it can't be that much. my boyfriend was at fault, but he is only liable for what damage he did to the car right? (my car is totaled and not worth getting out of impound) If they try to claim BS injuries, previous damage to the car etc, that's fraud isn't it? if all that happened was a dinged bumper, is that all i am responsible for (to the driver)

Yes, your boyfriend is responsible for the damages. If he doesn't pay them he can lose his drivers license.

As far as claiming injuries - I've never seen anyone charged with fraud and I'm an accident investigator who has seen some very strange claims.

Who informed you about the extent of the damage to the other car? Do you have photos?

Quote:

Originally Posted by sh1thappens

I am a licensed and ALWAYS insured driver, or so I thought... My stupid dad forgot to pay the car insurance (I'm over 18 and own the car) and my unlicensed boyfriend borrowed my car that week and got in a wreck. For whatever reason the insurance came up as current but today my insurance company told me it had lapsed by a few days and their not covering the accident. My boyfriend's license was taken away in 2006 due to unpaid tix (he was poor, not cheap). The fines piled upon eachother and got way out of hand. He told the cop at the scene that he didn't have a license and they impounded my car for 30 days, but issued him no ticket. He showed the insurance in the glove box and it came back fine at the time. Are they now gonna mail him a ticket? I was planning on just paying off his debt to get his license back, but if they're just gonna take it away again, I can't afford to pay all the fines right now cause he won't be able to pay me back. He's a mechanic and any decent, worth having job in the field requires a license so you can test drive the repaired cars. I live in California and don't know how this all works. Are they gonna take my license too? I wasn't even there. Did he get lucky or are the tix probably coming still? Up until this incident all he had to do was come up with 4k t pay his old debt and he could get his license back, do we have to wait another year now? Is there any way to beg for a restricted license to get to and from work and for work purposes. I understand most people can take a bus to work, but you can't not test drive a car and be a mechanic. Not having a license is and has been hindering his ability to pay his fines, is there anything we can do?

My bigger problem here is your boyfriend was driving suspended, you didn't check to see if your insurance was in force, your boyfriend "got in a wreck" - and your Dad is stupid?

And, yes, you are also liable for any injuries and/or damage to the other car - not just the driver.

Mod's note: This account was suspended due to a name violation. Hopefully she will return with a more acceptable name.