What do i do if i don't have car insurance it expired and i didn't realize it and someone hits my car?

Question

im me if you have any really good advice or work for insurance company especially in alabama

Answer 1

It depends on how they hit it. If you are legally parked, stopped for a traffic light, or if they rear-end you, then they are at fault and you need to file a claim against their policy for the damages. Make sure you get their full name and policy number, then don't call their agent, get the 800 number for the company and call them directly. Also, renew your insurance immediately. Many times you won't be penalized for a lapse in coverage just go back to your current company and pay the bill. It may also depend on how long ago your insurance expired. If it's too long then you may have to start over rate wise because insurance companies use consecutive terms of liability to determine rate structures. If they really did hit you, and it isn't some kind of mutual collision, then you have no troubles.

Answer 2

If the other person is at fault then you can still collect for your damages regardless of whether you have insurance or not. I do not think Alabama is a state called "no pay no play" which says if you don't have insurance you can't collect. There are not that many states out there that have adopted that law. So, you should still make a claim with the other person's insurance company, as it should not matter.

Answer 3

No insurance coverage = no claims payment.

If you don't have current insurance and are involved in an accident that is your fault, it will be up to you to pay for your repairs. And you'll likely be slapped with a citation for driving without insurance. Most states require you to carry at least liablity coverage. However, if you aren't at fault, it is possible that you could collect. That depends on your state's laws and the insurance policy of the other driver.

Go to the insurance office and reinstate that policy - NOW!!

Answer 4

Prepare to be poor, and walking. Obviously you got a bill for your insurance long before it expired, and ignored it. In some states if your insurance expires for non-payment, they will suspend your license. But if someone hit you, and you aren't at fault, none of that matters since they are responsible for fixing your car. If they find out you don't have insurance, they may argue you are partially at fault since you shouldn't have been driving. In either case, get insurance NOW.

Answer 5

Most insurance companies run on a grace period for being late if it is over 30 days howeaver your insurance carrier may have terminated the insurance on the vehicle check with your agent you may be ok and just get it paid up .

Answer 6

You can be fined for not having insurance. At least in Ohio it is the law.
If someone hits your car, and they are at fault, I'm not sure how that would play out. It seems that the other guy would be responsible for paying for your repair costs - but.......

Answer 7

I'm sorry but your screwed you will be totally at fault and will have to pay all the fees for the persons car to get fixed and you will be slammed with fines for driving with no insurance

Answer 8

If you live in a 'no pay, no play' state -- you are screwed. If not then other vehicle insurance covers the loss. Cheaper to pay the premiums, eh?

Answer 9

I think every driver should be responsible for their own actions and if your car insurance had expired I think you should definately renew it asap!!

Answer 10

If the police get involved you could lose your drivers license! it is manatory to have car insurance. Even if the accident isn't your fault you can get cited!