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    sweetpepper83's Avatar
    sweetpepper83 Posts: 1, Reputation: 1
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    #1

    Sep 21, 2010, 09:53 AM
    Rear ended in Minnesota. Help...
    I was rear ended while I was stopped at a red light, the driver and I exchanged personal info (names phone numbers not insurance info). Problem is, I found out my insurance lapsed two days ago (I didn't have enough in my bank account for them to take it out). What do I do now?
    smoothy's Avatar
    smoothy Posts: 25,490, Reputation: 2853
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    #2

    Sep 21, 2010, 09:59 AM

    Borrow the money ASAP and get the policy reinstated.. Most of the time they will reinstate without a lapse but you have to do it quick.
    ebaines's Avatar
    ebaines Posts: 12,131, Reputation: 1307
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    #3

    Sep 21, 2010, 11:29 AM

    Agree with smoothy - and do it ASAP. But why didn't you get the other person's insurance info? Do you not care about the damage to your car? I assume that there was accident investigation by the police, correct?
    smoothy's Avatar
    smoothy Posts: 25,490, Reputation: 2853
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    #4

    Sep 21, 2010, 11:41 AM

    I missed the no insurance info exchanged part. You really, REALLY should have done that because the person doing the rear-ending... not the person being rear-ended is generally found to be at fault except in a few rare circumstances.

    If there was damage at all I would have called the cops... just to be sure there was an official report.
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