uninsured motorist
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- hotroddy
I have a legal question and looking for some feedback:
I live in California and I got in a car accident the other day and my insurance lapsed. I received a letter from the other party's insurer and it looks like they will becoming after me for money. I have yet to establish who's fault it was but they are saying it was my fault.
I'm broke and I have no assets. What tactics will the insurance company employ to get their money back? What do they do to unisured motorists?
I kow this isn't a legal site but I just wanted some feedback as I don't know who else to ask.
- not_lebowski0
some proper kerning should take care of this problem
- gabriel20
They'll contact you a couple times about just paying up with cash, then they'll get a collection agency. At that point you not only have to pay all damages to the car, but collection costs, lawyer fees and additional tickets for driving without insurance etc... You're also going to have to pay a ton more for insurance in the future.
- tkmeister0
yes, you are fucked.
good luck.
- jox0
You're pretty much screwed. You're going into debt for a LONG time. Even if it was the other guy's fault, it's standard procedure (at least in the EU) to sue whoever's driving without proper insurance.
If you didn't know it lapsed, then good luck my friend - but if you were aware - burn.
I was in an accident 4 and a half years ago and got hit by somebody without insurance. As far as I know, he's still paying.
- mg330
Wow, sorry about all that.
This should be in the dictionary next to the word "sucking."
- imakedesign0
its not the end of the world, try to settle without going through the insurance companyies, then no one need to know that you have none.
most people want to do this anyway so they dont have to pay an excess or suffer higher rates in the future.
- -scarabin-0
happened to me here in la and i got fined from the state or something like a grand
then ended up paying for the other person's car damages (about 4k)
- -scarabin-0
car insurance is so dumb
- doesnotexist0
car insurance is a monopoly...why the hell do i need it if everyone has to have it? fuckin' bs.
i was pulled over without insurance awhile back, was fined $350 twice in a year because of it. also, i guess i could've gone to jail for up to a year ( so the officer says ), but this all took place in michigan im sure california is a tad different.
but yeah, id try to settle with the person you hit or whatever, see if you can not go through the insurance or blablawoofwoof with all the lawyer fees and legals shit. ghey.
have fun! yay life!
- Jnr_Madison0
If you drive without insurance then you deserve everything you get.
- magma0
by the way, if you know photoshop you can print out your own insurance card that works for getting pulled over - if you don't have real insurance. no need to get fined for no insurance.
there's no way a cop can verify your insurance when they pull you over - if it looks semi credible, they wont question it - i did that for years.. of course, it doesn't work if you get in an accident - then you're pretty much screwed.
- tommyb0
Correct me if I'm wrong, but if the other motorist suddenly dies (from something obviously NOT related to the accident, are you still in trouble?
It may just be that I've been playing GTA for the last 4 days.
- TheBlueOne0
Wow..not sure of CA law, but if the accident was in any way your fault (and without a insurance company on your side paying someone to determine that..) you are going to be out a whole lotta bucks...shoulda got insurance, woulda been cheaper...
- jevad0
If you drive without insurance then you deserve everything you get.
Jnr_Madison
(Mar 18 06, 15:58)
- kyl30
pay to play