My friend and I were in the fastlane on the freeway probably going 55 mph. the traffic slowed down to 10-20 mph very abruptly and a collision with the car in front of us almost occurred. Traffic started moving forward again, then she (my friend) began to move forward and we looked at each other with the thought of "WOW, that WAS close" (It was for a split second) Then when we looked back to the road, the car in front of us was now completley stopped and sure enough we hit them. We do not know what happened.We don't know if a collision had already occured and we drove into it.We also don't know if she hit the car and then caused that car to hit the car in front of it and so on until 5 cars became involved.We were in a newer Ford truck (full size)I've been told by a reliable source that a vehicle would have a hard time causing that large of a chain reaction going roughly 30-35 mph...Fortunatley, almost everybody involved seemed OK, and no airbags deployed... This is where I need your advice, My friend did not have her policy renewed since 4-5 months ago. The police officer took her old policy number anyways and let us go. She doesn't know what to do and I don't know what to tell her. She doesn't care about the truck but is scared beyond belief about all the other cars and drivers. Her truck was still able to opperate.I need sound advice to help calm her down, She thinks her life is over... Please, honesty is good but don't try and scare us more unless you know it's the absolute truth. Yes she knows her policy was probably expired but she didn't know it happened 4-5 months ago. I know this girl, she is a good person, The only reason she didn't have insurance is because she has no money, She doesn't drink or smoke and is still barely scraping by paycheck to paycheck, All her money is going to her lawyer expenses from a bad divorce, and all the bills associated with it. This just happened today Does somebody out there know what she might be facing?
2006-12-07 17:22:55 · 7 answers · asked by hey... YOU! 3 in Politics & Government ➔ Law Enforcement & Police
I sorta had the same thing happen to me. But I had insurance and everything worked out just fine for me.
Seems to me that the best-case-scenario for your friend is that she won't be paid to fix her truck since she didn't have insurance. Worst-case: she'll end up being sued by the other drivers and have to - some how - pay them.
In either case, it sounds like your friend is in for even tougher times... Sorry...
2006-12-07 20:51:07 · answer #1 · answered by BubbaB 4 · 0⤊ 0⤋
Was your friend the last car in line? Did she get hit from behind? You don't say in the question. I seriously doubt that if she were the cause of wrecking 4 other vehicles, the cops would of let her go at the scene. You say she knew the policy expired, but was unaware of the time of expiration. Has she contacted the insurance provider? What state is this in? Was the insurance in her name or the soon to be ex-husbands? Or both? She needs to calm down, call the insurance company, explain what happened. Not knowing, or avoiding the issue will only cause her to be more anxious. Was she issued a citation for anything? Jeeze, tell her to e-mail me if she wants to talk, I was in an accident where my tire fell off, and wrecked a parked car in August. Been in 6 altogther. It'll be OK.
msmaryanne3@yahoo.com Good Luck.
2006-12-07 18:41:24 · answer #2 · answered by msmaryanne3 4 · 0⤊ 0⤋
Even if she did not cause the wreck in the first place she is likely responsible for the damages to the car in front of her because the laws state that you are supposed to remain at least 1 1/2 car lengths behind. If she is financing the car the bank usually requires proof of insurance in order to process the loan. If she is found to have caused the entire wreck she will be responsible for ALL the damage and then she will have a fine on top of it for no insurance.
2006-12-07 17:37:48 · answer #3 · answered by Ryan's mom 7 · 0⤊ 0⤋
You know it really all depends on who the officer places at fault on his crash report. Could it cost her, yes it could. The other insurance companies and or the operators of other vehicles could file a lawsuit against her for not having insurance. If the officer did not write her a ticket for no ins.. then she escapes at least those potential fines. It really all depends on the determination of who caused the crash. I wish I could help you more, but I wasnt there
2006-12-07 17:30:33 · answer #4 · answered by gotseatbelts 2 · 0⤊ 0⤋
Personally ****** up..but uh..she needs to renew her insurance..otherwise...when they run her plates..on the DMV they'll find it registered..but not registered under the insurance company in the state she lives in..they can tow it away..and fine her a pretty penny...Thnk GOD you both were alright..Insurance is insurance..You lives were on the line..So yeah I recommend that she renew it...They way for them to tell if the insurance is active..the police will scan the registration sticker while the car is parked..now if she owns a garage..then she's lucky
2006-12-07 17:30:29 · answer #5 · answered by ewllita 3 · 0⤊ 0⤋
one element that would rely is whether or not the coverage enterprise had surely won your charge (whether or not they deposited a verify or not) on the 2d of the collision. As my agent defined it, the 2d they "take paper" the coverage is enforcable regardless how that's shown on habitual workplace work. by using all ability, seek for advice from including your coverage agent or adjuster and with an criminal expert if mandatory, yet I doubt the different edge could have the nerve to declare their shopper became into not responsible because of the fact which you probably did not have coverage. Judges do not seem kindly on that form of shenanigan.
2016-10-17 23:30:40 · answer #6 · answered by rochart 4 · 0⤊ 0⤋
Sell the wedding ring and get insurance now!! The fine for not having ins- is probably higher than the insurance-make smaller pmts to the lawyer or have her lawyer award her ex the court and atty. fees-D
2006-12-07 17:29:36 · answer #7 · answered by Debby B 6 · 0⤊ 0⤋