I caused about $1700 in damages to another car by opening my door into traffic but it turns out my insurrance had expired. What will happen? Will the other driver's insurrance company sue me? How will it effect my record?
2006-11-26 14:41:07 · 13 answers · asked by alan p 1 in Cars & Transportation ➔ Insurance & Registration
Question: had your coverage lapsed or was it canceled? If it had lapsed due to non-payment sometimes an insured can pay the preimum and the coverage will be reinstated. Though it is up to the company weather they will pay for the loss most larger insurers will do so. You can avoid a lawsuit by simply paying the cost to repair the other car. Hopefully the other party will file a claim under their insurance company. That way you can reinburse them through what is known as 'subrogation'.
2006-11-26 16:03:25 · answer #1 · answered by Anonymous · 0⤊ 0⤋
The driver of the other vehicle can easily go through his own insurance if he has collision coverage, but he'll have to pay the deductible (which usually ranges from $500-$1,000). If he doesn't, the driver will have to prove that you don't have insurance, so that he can go through his uninsured motorist property damage liability coverage to fix his car.
If the police department didn't realize your insurance coverage had lapsed, then you will not have to deal with them unless the other driver goes and files a complaint. If the driver goes through his own insurance company, which evidently is the only choice, they will sue you. The insurance company will pay it and then they will send you a bill for the money they layed out b/c of you.
You need to be careful because if that person is injured or claims injuries, you will have a bigger problem. Any money the insurance companies lay out will also be billed to you. So hopefully this isn't the case, but prepare yourself, start saving money now. You should try to just fix their car and have them sign off on a release that they have settled all matters pertaining to this accident. Avoid this matter getting on your record for driving without insurance.
2006-11-26 15:42:57 · answer #2 · answered by Rica 82 5 · 1⤊ 0⤋
FAILURE TO POST BOND OR SECURITY...That's the issue.At
least from the state's point of view
If you want to admit your guilt in the accident,then by all means,
do.BUT pay the bill.
In the meantime,secure an attorney,pro bono or otherwise to
handle the case.This can get ugly.
At best,I believe that you are probably going to have your lisense
suspended for 6 mo.re:"failure to post bond or security"(no ins-
urance)
The other driver can put a lien against your lisense until such
time as the issue is settled IN or OUT of court.
During that time your drivers AND owners privialeges will be
suspended indefinately.NO statue of limitations
2006-11-26 15:10:16 · answer #3 · answered by huppercupper 3 · 0⤊ 1⤋
Start comtemplating how you are going to pay the unfortunate you did this to.
And do them a favor and don't pull any of this I WILL ONLY PAY WHEN YOU GET THE CAR FIXED bs.
You damaged his property to the tune of 1700, give him the money and have him sign a release and be done with it.
It is up to him if he uses the money to fix the car or buy drugs, it is just none of your business.
2006-11-26 14:52:34 · answer #4 · answered by Anonymous · 1⤊ 0⤋
It can depend on what state you live in. In Calif. you can have your license suspended, and it can be suspended for up to a year, so you would have fines for tickets to pay then higher premiums for insurance and then other drivers insurance can sue you for damages. If your license is suspended you will have to show PROOF of insurance before you can get it back. So I guess that will be an expensive lesson for you to learn. MAKE SURE YOUR INSURANCE IS UP TO DATE.
2006-11-26 14:55:31 · answer #5 · answered by trollwzrd 3 · 0⤊ 0⤋
You could also potentially lose your license if written a no insurance ticket, in addition to whatever fines accompany the summons. I doubt you will be sued if nobody was injured, unless you refuse to pay for the damage to the other vehicle.
2006-11-26 14:47:14 · answer #6 · answered by Hank 1 · 0⤊ 0⤋
In this country you'd get 6 points on your license, plus 6 months to a year's driving ban and a big fine. Driving without insurance is stupid.
2006-11-27 00:34:28 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Your probably being sued right now or their gathering all the information to sue. Im sure the DMV will suspend your liscence for having a lapse(not for the incedent). Having a suspended liscence makes rates go up and costs money in paper fees
2006-11-26 14:50:15 · answer #8 · answered by ptcruisher2001 5 · 0⤊ 1⤋
You cant record an coverage declare and not using a police record and you probably did not point out if that ever befell. i'm hoping you probably did do the the final option difficulty and bypass away your records for the guy you hit.
2016-10-13 04:31:14 · answer #9 · answered by ? 4 · 0⤊ 0⤋
You'll probably pay about $2,000 more a year for insurance.
"Smooth move, Ex-lax!"
2006-11-26 14:43:07 · answer #10 · answered by Anonymous · 0⤊ 0⤋