What do you think will happen to me. I was just about to get some, but got into an accident before I could. There wasn't much damage, at least I don't think. Maybe a couple thousand on each car. No one was hurt. What will happen to me? Will I get my licsence suspended? I'm starting to worry!
2006-09-12 06:07:19 · 14 answers · asked by Lazy Bum 1 in Cars & Transportation ➔ Insurance & Registration
I hope they lock you up and throw away the key.
2006-09-12 06:08:58 · answer #1 · answered by Anonymous · 2⤊ 4⤋
I got caught this way once. It was a choice between getting a muffler to pass an emissions test, or paying insurance. Of course, I got in an accident. You'll have to go to traffic court. You will be contacted by the insurance company of the people in the accident. Don't talk to them. Just say your lawyer will be contacting them shortly. Consult with an attorney. In my case, the attorney wrote a letter and that ended that. It didn't cost much for this service. (Although that depends on what you think is a lot due to your budget!) Their insurance paid, of course. That's what it is for.
As far as your license, you'll be fined. If you don't pay the fine, your liscense will be suspended until you do and show proof of insurance. You'll also have to buy SR22 insurance. That is financial responsibility insurance; the legal minimum in most states. It should not cost more than regular liability insurance. It just states SR22 on the policy. That will follow you for a few years (3 in my state and the DMV sent me a letter when it was over.) Get a policy before you go to court. That will help. The judge will probably not make the fine too high in that case.
Accidents are just that. They are not intended. It doesn't make you a bad person. Take it easy. You'll be all right.
2006-09-12 13:20:07 · answer #2 · answered by Chris 5 · 4⤊ 0⤋
I would think at this point that losing your license is the least of your worries. It depends on the state as far as what will happen to your licens. However, if you are at fault for this accident, the other person or his insurance company will expect payment from you and can pursue you all the way to the courthouse. Then, in some states, if you have a license and a judgment is entered against you in court, your license can be revoked until the judgment is paid.
I don't want to say I doubt your story, but it is one I've heard many times ("I was on my way to the insurance agent's office when it happened!").
2006-09-12 19:43:13 · answer #3 · answered by Chris 5 · 0⤊ 0⤋
You did not mention the state you were in. In Wisconsin you are not required to have insurance, but if you get in an accident and it is your fault you had better be ready to pay for the damages. I would say that unless you make good on the damages you will loose your license. I don't live in Wisconsin, but there was a time I registered cars there to get around the insurance. I agree it is a good thing to have, I just don't like being forced into it. It is just the insurance companies getting together and paying politians to make us take out high priced insurance.
2006-09-12 13:20:29 · answer #4 · answered by Thomas S 6 · 1⤊ 0⤋
I always have carried uninsured motorist because I do understand many people just trying to make it and can not afford a Government Imposed Insurance.
Was this your fault?
What you may try if no one was hurt is have the person get a few quotes around town and try to work something out. I not think they suspend your license, heck, they making money off this with a Ticket or Fine. The court probably not care if you fix the other car as long as they get their cut. Sure they may say you have to fix it, seen this one before and know how it work. That why I have uninsured motorist and just let it go. Can not get blood from a turnip, as the saying goes.
2006-09-12 13:17:37 · answer #5 · answered by Snaglefritz 7 · 1⤊ 0⤋
Assuming you were at fault for the accident the other person will file a claim with their insurance company under the Uninsured Motorist coverage. In a few months you will receive a letter or phone call from that insurance company's Subrogation/Collections Department demanding payment for the amount of money they paid out to repair that person's vehicle and/or injuries sustained in the accident.
-If you don't arrange for monthly payments you will have a judgement put on your credit report in about a year.
2006-09-15 16:25:58 · answer #6 · answered by Sal G 4 · 0⤊ 0⤋
It's people like you that raise insurance rates for upstanding drivers (especially in New Jersey). I hope the other motorist sues you for damages and liability, on top of the court costs and fines you will automatically receive because of the accident. Suspension is a definate answer. Doesn't matter if anyone was hurt or not, it is illegal to drive without insurance.
I'd be worried...............
2006-09-12 13:17:20 · answer #7 · answered by ? 6 · 1⤊ 0⤋
Well, Mr. Bum, I'm sure you will pay MUCH more to repair those cars than insurance would have cost you. Now you are facing a fine from the state, legal subrogation from the other insurance company and, by the way, lots of luck getting insurance NOW.
2006-09-12 13:22:26 · answer #8 · answered by Anonymous · 1⤊ 0⤋
It depends on the State where the accident occurred.
However, for starters, you should be VERY, VERY worried. You are in a deep, warm, fresh pile of dodo. This will cost you a lot of money and you will likely lose your license for about 1 year.
On the bright side...at least you didn't kill anyone.
2006-09-12 13:12:05 · answer #9 · answered by An Unhappy Yahoo User 4 · 2⤊ 0⤋
Depends on what state you live in and if you catch a judge in a good mood. If you get the wrong judge, you better give your soul to God because your a** belongs to the judge.
2006-09-14 12:08:31 · answer #10 · answered by AL 6 · 0⤊ 0⤋
If the accident was your fault, you surely will lose your license. There will probably be a fine, in any case.
2006-09-12 13:09:44 · answer #11 · answered by MOM KNOWS EVERYTHING 7 · 2⤊ 1⤋