If u where hit by an uninsured driver?

welcome news

Assuming you are in the UK then the fact that she hasn't got insurance does not affect the liability of another driver - so she will be able to make a claim for the damage (and injury?) she suffered.

drewy monster

she isn't insured and is in big trouble with the police driving without insurance is a very serious case, 6 points probably and she will have to pay for the damage caused by the other car, what a plonker she is.. if the police arnt involved do tell them

muggle

If she was uninsured, then she's liable to pay out. She doesn't have any insurance so it will come out of her own pocket. Also, if the police find out, I'm sure she could be in big trouble for driving without any insurance.

Phil McCracken

Yes it would. Uninsured driver in collision with insured driver, she doesn't have a leg to stand on, will be deemed at fault, and will have to pay for her own damage, and damage the insured car too. Life's a ***** innit?

Ron S

I am afraid that no insurance company will pay out for her if she was not insured herself.

They will check as a matter of routine, you must know that they do not need much of an excuse to get out of paying.

They have a beauty on this occasion.

tellygonemad

your friend is bang in the wrong and with no inrurance to cover the accident she is left stranded!! i sugest that she pays for thoe other car to be fixed out of her own pocket!! bring it to a garage of HER choice ( not the the other partys choice of garage ) get a quote and get it done without bringing cops into it!! if not this will appear on her licence and when getting a qoute for insurance in time to come she will get screwed and maybe even lucky to get insurance at all!!
should not have took the car out end of story

Ian F

Braincase is dead wrong. EVERY US state requires insurance (or bond).

http://personalinsure.about.com/cs/vehicleratings/a/blautominimum.htm

Zef H

The answer to your question depends on what state your friend lives in. Some states have laws that prevent uninsured people from collecting from an insured person. However, there are states that don't have these laws. Thus your friend will be able to collect from the other driver.

neogriff

Can we please clarify whether you are in UK or USA? then we can put it straight, if you are in the UK your friend is SCREWED, she will not be able to claim from the other parties insurance and will have to pay the other parties expenses out of her own pocket, the police will have to be informed by the other parties insurer that the accident involved an uninsured driver.

â™¥ Uwish â™¥

If the at fault driver has valid coverage for the date of the accident, then his policy will cover the damage done to your friends car. It would not matter if your friend had insurance or not, he is still liable to repair

Debbie

It doesn't matter if she hadn't got round to insuring the car! She is at fault because shes driving illegally on the road without it. The other cars insurance will not pay up, if anything they will come after you for the repairs? I'm also surprised this hasn't gone to the police which i have no doubt will once the insurance company start. You will then get a producer for MOT, Ins etc. Which you carnt, which means a fine and points on licence besides what ever else the police want to through in concerning the accident. Ouch!!! Rather you than me. Best of Luck.

-x-

D.L.

If the other person is at fault, and there insurance company accepts liability it doesn't matter if you had insurance, or not, as long as they are accepting 100% liability, if there not then there could be an issue, or if your state is a mandatory insurance state, usally if its a new veh purchase, or replacing one on current insurance policy, then policy from the replaced veh will carry over to the new veh for a period upto 30 days, until you notify your agent.

The Fat Controller

your friend was committing a traffic offence by just being on the road. therefore as it was an illegal journey the other driver's insurance company is not obliged to pay for any damage to your "friends" car. In theory you may be able to sue the driver individually but in practise you will struggle to get a solicitor to work the case. It is entirely possible that the other driver or their insurance company will report the incident to the police

Queen B

wow, a lot of people seem to be sending info to you on stuff they just dont know about. IF the other person is found to be at fault, and you do not live in a "no fault" state, then the other parties insurance WILL pay to fix your friends car. IF that person was at fault, it does NOT matter if your friend had insurance at the time. She may have been cited by police (if they were called) for not having insurance and that ticket will stay on her record for 3 years. She needs to contact his insurance company and see if he has filed a claim for the accident. if not, they can open one when she calls. they will contact their insured and get his side of it and get a copy of the police report. If they did not call the police and have a reposrt done, she is probably going to be SOL.

nosdda

I feel very sorry for your friend having this accident after just having the car, but sorrry to say she hasn't a leg to stand on.

jumbobret

Not a problem, you have 30 days to get coverage. Never the less her insurance does not matter when someone else hits her. Her insurance is not effected at all.

chris

if she hasn't got insurance she shouldn't contact the other drivers insurance company because they will look into your friends records and find out she was uninsured and will defo be hit with a bast.ard of a fine

UCANTCME

YES THE OTHER DRIVER THAT WAS AT FAULT THAT HAS INSURANCE WILL PAY FOR ALL THE DAMAGES.

braincase

It's a pity so many people submit to extortion...
Just so you know, insurance is not a law in quite a few states in America.
Whether your friend has insurance or not, that does not clear the other driver of responsiblity of restitution for damages.
Get a lawyer. Do so NOW, and do not wait.

pardon me for lecturing, actually SCREAMING

You know, you pretentious morons, that some folks really cannot afford insurance. Perhaps that payment could do the light bill this month. Perhaps that father of three whose wife left him with the kids could use the money to feed his kids because he only gets 15 dollars an hour! Maybe if you hadn't based your economies on only having the option of driving 20 miles to work or starving this wouldn't be a problem.
You chose to base your economy on vehicles that cost tens of thousands of dollars, with the full knowledge that s*** happens and your investment can be so much scrap metal so easily. By allowing insurance laws to rape the huge low income base of this country, you have become guilty of legal theft. BITE ME!
If you had the smarts to save your money for bad times instead of buying all that crap you do not need, you wouldn't need to be bailed out when your fragile piece of luxury gets turned into mush!
Maybe if you weren't so spending stupid and therefore insecure of your own finances I could afford my schoolbooks! Instead of paying some obesely rich company to shift my money in piles, pay for retarded commercials, fornicate with politicians and courts, and deny any help to me whatsoever when I can actually use it! And then screw me over for asking them to fulfill their purpose in the first place!
A country built on screwing each other out of money shall not last!
/end rant
I really hope things end out well for your friend hon. Please get a lawyer!

@ ian F
Look up New Hamphsire law!
(live free or die)

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