Ask Me Help Desk - Car accident

I was recently in a car accident where I was crossing lanes of traffic and a young girl hit me. She was going fast and I was stopped so her car suffered more damage than mine. I am unfortunately not insured but her mother has full coverage. I have a court date set for the traffic violation of "failure to yield right of way" and I don't even mind paying that ticket. I was just wondering what will happen to me when they go to file against my insurance company and they tell them that I am uninsured? PLEASE HELP!!

Sam, I don't quite understand some things you said. Ie. "I was stopped", "I was crossing lanes of traffic" - were you stopped or were you moving? -- also you said "her mother has full coverage" --- guess you are speaking of the lady that you said "hit me" ? Maybe the young girl that you said "hit me" was excluded on her mother's policy? If you were stopped and she hit you, then why did you get a ticket for "failure to yield right of way" - did she also receive a ticket. You don't say (and your profile doesn't either) what State you live in and you don't say in what State the accident happened ? Regardless, I get the jest of what you are saying basically and that the accident was your fault. Now depending where you live, different things can happen. Let me give you and example of the consequences where I live, Alabama. You and her both must file a report with the State DMV if there are any injuries or if the property damage meets or exceeds $250.00. The report must include the names of both insurance companies. You apparently were not insured, fine in AL is $500 plus approx $100 to $200 court costs. Now, if you can't make the innocent party whole, the State proceeds to remove the license plate from your vehicle, I am not sure but I believe they also proceed to suspend or revoke your driver's license, then you have the civil matter of owing the owner of the vehicle for the costs or repair to include perhaps their other costs such as the rental of another vehicle while their vehicle is in the body shop for repairs. Now as to the damages to your vehicle and your costs, those are entirely yours. Also when you purchase insurance you will now have an at-fault accident to tell them about as well as a moving violation therefore expect to pay more. Only high risk or substandard insurance companies will accept you and that means a higher premium as well when compared to "preferred" insurance companies. The accident and the violation really don't make you a high risk. What does is the fact that you have shown irresponsbility by driving without coverage and that alone, even with an excellent driving record, will make you high risk. Good luck. By the way, I am a licensed insurance agent writing high risk or non standard auto insurance.

If you got a ticket, then the police officer believed you were at fault from the wreck, if you plead guilty or if you are found guilty of this, then they can and will use this against you to sue you for damage to their car.

I am surprised the officer did not give you a ticket for no insurance, since at the accident scene you have to provide the officer proff of your insurance, But they can still charge you for that, up to a year after the accident if and when they figure it out. If not insured where I used to be a officer the fine is also at least 500 and they impound your car and they suspend your drivers license.

So it appears you lied to the police ( could be another charge) and told them you had insurance and did not

So what happens, their insurance company will fix their car and then sue you for the damages, when they win, they will have a judgement against you. At that point, they can attach any and all money you have in the bank and garnish your paycheck till they are paid back for the damages.

If they have a real mean attorney they may file a complaint with the DMV and try to get your drivers license suspended also.

Quote:

Originally Posted by Sam_Smith

I was recently in a car accident where I was crossing lanes of traffic and a young girl hit me. She was going fast and I was stopped so her car suffered more damage than mine. I am unfortunately not insured but her mother has full coverage. I have a court date set for the traffic violation of "failure to yield right of way" and I don't even mind paying that ticket. I was just wondering what will happen to me when they go to file against my insurance company and they tell them that I am uninsured? PLEASE HELP!!!

If she carries uninsured motorist insurance that will cover her car. If you don't really have any money then you can't get blood out of a turnip. If they garnish your wages they will leave enough for you to barely live on. How old are you>