Most people who operate a motor vehicle without insurance do so because they can’t afford coverage. They believe that the benefits of not paying for coverage outweighs the risk associated with driving without coverage. When an accident does occur, one of the consequences is legal action by the person who was injured or sustained damage to his or her vehicle. If you find yourself in this situation, there are some things you can do to deal with the situation.
It may be tempting to jump to conclusions and consider that you need to liquidate all of your assets to satisfy the claim. Rather than immediately jump into panic mode, stop and read the legal documents you have received. They will give you valuable information, such as the name of the person who is suing you, the extent of the damages they are claiming, and the name of the attorney acting on their behalf. Then you can make the best decision after getting in a car accident with no insurance.
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 insure 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 information that is important, 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 his or her medical bills, lost wages and other expenses incurred because of the accident.
These are just some of the procedures you will go through after having a car accident without insurance.
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 law suit, 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 you have received with you to the meeting. They will have details about the amount and type of damages the plaintiff is making a claim for.
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. There are many companies offering car insurance and having at least the minimum level of protection in place mandated by law in your state can save you a lot of worry about what might happen when you get behind the wheel. Shopping around for coverage can help you evaluate your options and find insurance you can afford.
Don’t lose everything, if you had a car accident with no insurance. Comparing rates so that you can join the ranks of the insured is quick and easy.
The FREE insurance tool on this page can help you get started right away. Why don’t you enter your ZIP code and start comparing car insurance right now?