AUTO INSURANCE/COLLISION QUESTION!! Please help!!?

I let my policy lapse. It was cancelled on June 27th. Earlier this evening, I got into a collision, but it WASN'T my fault. The policeman wrote the at-fault ticket for the other driver involved. (She was in a median, halfway in my lane of traffic, so she got the ticket).

She DOES have insurance.

But since I do not, what are my options?? I want to get my truck fixed. :( Especially since it wasn't my fault at all..... :(

I tried calling my insurance to see if I could reinstate the policy, but that was a no-go. He said since the policy was cancelled, I'd have to seek other insurance and a new policy.

What can I do??

Please help. I really need my truck. I'm on the poorer side and can't afford a $1200 payment to fix it..... is there ANYTHING I can do??

I know nothing about insurance. All help and answers are much appreciated!! THANK YOU!!

Luna & Lawnboy

The folks that are posting that you are automatically at fault for having no insurance are simply wrong. Having no insurance has no bearing on liability. Mary's brother was obviously at fault for the accident. That is why he had to repay the other party.

CA is a "No Pay, No Play" state. Meaning you cannot recover non-economic damages(pain and suffering) if you do not have insurance. There are other states with this statute. FL is a No-Fault state and that has nothing to do with the damage to your vehicle.

Call the other party's insurance company and file a claim.

entidtil

I know of no law that says, in order to be covered by anothers insurance that you must also have insurance. You should be allright. You may, however receive a ticket for driving without insurance but the damages to your vehicle should be covered. But.........Go Get some insurance now !

Kizzy

Not having insurance doesn't change who's at fault for the accident and it doesn't change the liability of her insurance carrier. You need to contact them to submit a claim.

You may be faced with some issues down the road. Driving without insurance can cause DMV to suspend/fine you. You'll need to file an SR21/SR22 for a period of years.

lorquine

You need to file a claim with the at fault carrier. They will handle your damages as long as their insured's policy is in order and they accept liability. It will not matter that you did not have coverage at the time of the loss. I do recommend that you get insurance as soon as possible though as you don't want to shoe to be on the other foot. Even if you don't have a lot of money get the required liability limits for the state your reside in.

wpickett3111

if your in tx.. i can give you my lawyers name.. im in the same situation you can get help

hayesatlbch

Some states have laws that make anyone without insurance at fault in the accident on the theory that if they shouldn't have been on the road driving . California and Florida are that way.

mary m

OK, the same thing happened to my brother 3years ago. You may not like the answer but you technically had no insurance and you will be put at fault considering you were driving with no insurance. My brother had to pay out of pocket for the other persons car rental and deductible; the insurance then billed him for the total amount to fix the other persons car which he made payment arrangements for. His car was non operable and he had to make payments on a car that he could not drive.
Sorry sounds like your in a bad position. I've been in three accidents 1 my fault 2 not my fault; so I know a little about insurance.
I live in California, I don't know if that makes a difference but my brother was pursued by the other insurance company. Since he let his policy lapse his insurance said they would not help him.

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