I was involved in a car accident and i had no insurance but the accident was the other persons fault?

zilch

Now see things like this is whats wrong with this country. NO you shouldn't get any compensation you should have had insurance. Its people like you that make good hard working americans have such high insurance rates. What if it had been your fault and you hurt someone really bad or even killed them. No insurance so there own insurance would have to cover the cost. You have some nerve wanting some compensation what an a s s hole. Let me guess your mexican too. What a low life.

bostonianinmo

If you're in a no-fault state, you're screwed. You can't collect from the other driver in a no-fault state because fault does not matter.

If you're in an at-fault state, you better hope that the other driver is clearly and convincingly at fault. If there's any judgment call to be made at all, it will go against you as you are uninsured. Since you don't have an insurance company to defend you, you'll need to hire an attorney at your own expense to defend any claim against you. And you better hope that your state doesn't bar uninsured drivers from collecting; some do!

That will not affect your prosecution for driving without proof of financial responsibility.

londonhawk

Yes

infernal_seamonkey

Yes, provided you have medical bills from injuries if there were any.

marmat16az

In the UK -- no chance, if you had no insurance you were driving illegally.

ezlndylan

It depends on the state you live in.

Some states, like Lousiana, have "no-pay, no-play" laws. This means if you were not insured when the accident happened, you may not collect ANY money from another person's liability insurance. In California, you can collect everything except general damages for an injury. In Texas, it doesn't matter if you have insurance. You can collect under someone's liability insurance if they were at fault. If you live in a no-fault state, you won't be collecting anything.

Accidents are often disputed. One person often lies about what happened. If you don't have any independent witnesses and there was no police report filed, you may be found at fault by the other insurance company based on the word of their insured.

Generally, your insurance company would protect you, and they might end up going to arbitration to determine which company pays for the damages. But in this case, you don't have an insurance company to protect you. Even if the other driver was at fault, if he or she lies about what happened and their account of the accident can't be disproved, their insurance company is going to come after you for all of the damage caused. They can send thousands of dollars worth of damages to collections, and suspend your driver's license.

In conclusion, it's a really BAD idea to drive around without insurance. I'm sure you know this and didn't post your question to be hit with a lecture, but there are situations when the other driver is at fault, that you could still be held on the hook.

Good luck, and at the very least, get yourself a policy with the state minimum liability coverages. Call the telephone number of a company you see advertising in between the ITT-tech and medical assistant ads during Maury.

Chris

Would everyone please stop using the term "no fault state" when answering these questions?! No-fault usually refers to medical payments coverage, or first party medical benefits. Almost all states have negligence laws, be it comparative or contributory, and under those people can recover if not at fault and depending on the law of the state.

Unless Michigan is a "no pay/no play" state, then you can be paid for your damages by the other insurance company just as you would if you did have insurance. But, you do deserve the scolding you're getting for not having it.

stephanie

yes their insurance should pay you for the damages and any medical..although pursuing this may end in a fine for you, depending on which state you live in.

retiredslashescaped1

That depends upon your state laws. If your state requires the insurance of a person who caused a wreck to pay for damages caused to other people, then you should receive damages owed to you.

If your state has no-fault insurance, then, no you won't.

And, yes, in any case, you can be correctly punished for failure to have insurance if it is required by law.

NATIVE NEW YORKER

DO YOU LIVE IN A NO-FAULT STATE?

IT'S AGAINST THE LAW TO BE DRIVING UNINSURED. YOU CAN HAVE YOUR LICENSE SUSPENDED.

pyleus4e

In I am one of those people who chose food for my kids and let my premium slide. It surprises me at how little compassion others show for those wo fall on hard times. May the Lord always keep them with a good income and they never have hard choices. No you will not get medical or any other kind of recourse Good Luck and sorry about the negletful driver with insurance

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