it wasn't your fault. Is that law?
2006-09-29 08:13:36 · 15 answers · asked by C P R 3 in Cars & Transportation ➔ Insurance & Registration
The person at fault is responsible for physical damage of your car.
2006-09-29 08:15:56 · answer #1 · answered by Papa John 6 · 0⤊ 0⤋
No, you are not automatically responsible. The person who's fault it is, is the liable party. And not having insurance does NOT make you the liable party... not all states require car insurance. In my state, you only have to have insurance on a car if you are being financed for it and even then all you need is liability.
You should definitely make a claim against the other guys insurance company! If it was his fault then he needs to pay to get things repaired whether you have insurance or not.
2006-09-29 08:25:20 · answer #2 · answered by patti_jim_reynolds 3 · 0⤊ 0⤋
No. What sort of dumb-@ssed law would that be? Having no insurance violates civil law, it is NOT a determining factor in who is at fault. If you happen to live in a 'no pay, no play' state you MAY be barred from any recovery from the insurance company.
Now a word of advice: this 'Pilgrim' character is a total wack-job. You start demanding this and that and cop an attitude with the claims adjuster -- this is only going to result is misery for you. The claims adjusters deal with jerks everyday and they cannot be snowed by posturing or threats. Keep a civil attitude and a calm voice at all times and you will gain much more ground in a settlement.
2006-09-29 09:51:25 · answer #3 · answered by Anonymous · 1⤊ 0⤋
If the other party was ticketed for having caused the accident, his insurance should pay. You should be ticketed for having no insurance and your license can be revoked if insurance it is mandatory in your state. If the other party is at fault and did not carry insurance, and you did have insurance that included uninsured motorist, you could make a claim on your on policy. Since you do not have coverage, this is not an option for you. You should take responsibility for your actions when driving a car and carry insurance~!
2006-09-29 08:24:22 · answer #4 · answered by mei-lin 5 · 0⤊ 0⤋
No, you will get a ticket for not having insurance, but the person at fault is responsible for cars
2006-09-29 08:17:27 · answer #5 · answered by Angie B. 2 · 0⤊ 0⤋
If you dont have insurance, youre most likely to be ticketed and requested to prove future insurance...at least liability insurance.
If the other party has insurance, their's would take care of your claim...to be filed with them.
That takes care of your health and damage to your vehicle.
If neither has car insurance, you may be out of luck. If they have home insurance you may try to claim there, however, that may be trickier but it can be done in civil court.
2006-09-29 08:24:55 · answer #6 · answered by Anonymous · 0⤊ 0⤋
No.
Your problem will be convincing the other guy's insurance company. If a dishonest adjuster is assigned he could give you quite a bumpy ride.
I recommend you make a claim against the other guy's insurance for the damage to your car. Take the offense.
Be sure you're the first to make a dollar amount demand. Don't let the adjuster make you an offer. You must figure out your total amount of loss and include everything so that when you make your demand, you're willing to sign a release for that amount.
It's a whole lot easier for you to maintain your turf from a "high ground" demand , than it is for the adjuster to argue you down.
2006-09-29 08:20:48 · answer #7 · answered by s2scrm 5 · 0⤊ 2⤋
No, but you should and will be ticketed. In most states, it is the law to have insurance. Even if it's not, if you think you're responsible enough to drive you should be responsible enough to carry insurance.
2006-09-29 08:16:47 · answer #8 · answered by Anonymous · 0⤊ 1⤋
You don't pay for someone else's damages if you're not at fault regardless of whether you do or don't have insurance.
2006-09-29 10:03:32 · answer #9 · answered by Chris 5 · 0⤊ 0⤋
No, the person who caused the accident is liable. In the UK you would be liable to be prosecuted for driving without insurance.
2013-12-05 05:41:41 · answer #10 · answered by pmt853 7 · 0⤊ 0⤋