When an accident does occur, one of the consequences is usually legal action by the person who was injured or sustained damage to his vehicle.
If you find yourself in this situation, there are some things you can do to deal with the situation.
No matter what happens, be sure that you purchase adequate car insurance and keep it active. Use the FREE tool on the top of this page to enter your ZIP code and start comparing car insurance today!
Get the Facts
In order to effectively deal with a law suit being brought against you by an injured person, you need to get information about the accident.
First of all, write down everything you can remember about the date in question.
Start by listing the events leading up to the accident just as you remember them.
Include details about the collision itself, whether you recall anyone being on the scene as a witness to what occurred, and if you spoke to the other driver after the accident.
If you find yourself in a no car insurance accident, you should take the proper procedures to ensure you will be protected.
If you don’t have a copy of the accident report, contact the police department to get one. This document contains important information, and you will want to do everything you can to defend yourself in the legal action that has been started against you.
The person who has started the claim will need to show that you were the at-fault driver and are responsible for paying for the cost of medical bills, lost wages, and other expenses incurred because of the accident.
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Get Expert Help
If you find yourself being sued with no insurance, you will need to hire the proper people to defend you.
To defend yourself properly against the lawsuit, you are going to need expert help. Contact an attorney for this purpose.
Many lawyers will offer a free consultation to a potential client so be sure to ask whether this is an option when you make an appointment.
When you go to the lawyer’s office, be prepared to outline the facts of the case as you know them.
Take copies of any letters or legal documents detailing the amount and type of damages the plaintiff is making a claim with you to the meeting.
Uninsured Motorist Coverage May Reduce Amount Payable
If the injured driver has uninsured motorist coverage on his or her car insurance policy, this fact may work in your favor. This coverage is put in place to pay for damages incurred in an accident where the at-fault driver doesn’t have insurance coverage.
If the facts of the accident indicate that you were responsible for the accident, you may only be responsible for paying the amount of the policy deductible.
You may have to pay a higher amount if you are determined to be at fault for the accident and the other driver doesn’t have uninsured motorist coverage on his or her policy.
In that case, you or an attorney acting on your behalf can attempt to work out a settlement of the claim without having to go to court.
Once a settlement has been reached, you may be able to make arrangements to pay a certain amount per month to satisfy the claim, even if it takes some time to make good on it.
Rather than have to be concerned about what will happen if you have a car accident with no insurance and you are getting sued, a better course of action is to try to get coverage.
Don’t lose everything by having a car accident with no insurance.
Compare the insurance rates by using our FREE quote tool on this page.