when backed into a car?

Question

a city worker backed into the front of my car while i was stopped who is to blame if one party has no insurance?

Answer 1

The person who backed into you is at fault. Negligence doesn't change just because you do or don't have insurance.

Answer 2

The city worker is at blame for this particular accident. As far as the insurance goes, the party who is w/o insurance gets the prickly end of the stick.
Mom of B & D

Answer 3

Ontario law requires that all motorists have car insurance. The same law provides all individuals injured or killed in a car accident with access to certain "Accident Benefits" coverage. However, penalties apply to individuals driving without insurance.

For a first conviction, the minimum fine is $5,000 and the maximum is $25,000.

If a person is injured while driving or occupying their own vehicle (or a vehicle leased by them), the vehicle is uninsured at the time of an accident and the accident occurs in Ontario, that person:
· cannot sue the at fault driver.
· is not entitled to income replacement or non-earner benefits under no-fault insurance (see also "Accident Benefits" for details about this coverage).
More importantly, if you are found to be at fault for an accident causing injury or death to another person, you may be held personally responsible for his/her medical costs and other losses.

Uninsured car owners cannot sue for damage to their car even when they are not at fault for an accident that occurs in Ontario.

The bottom line is … driving without insurance is irresponsible and could be financially devastating!

Answer 4

The person backing into the stopped vehicle would be at fault. The insurance wouldn't matter, except that if you are driving without insurance, you shouldn't be.