if i got a car as a gift and dont have insurance and a car hits me is that ok?

Question

my friend gave me a car and i dont have insurance, but a guy hit me this morning, will his insurance pay for it?

Answer 1

If you are in a "no fault" state then you will have to pay to have your own car repaired.

If you are not in a "no fault" state, then the person who hit you (or his insurance company) is responsible for paying for your repairs.

When the accident report is filled out the police will ask for your proof in insurance. If you don't have it, then you will be ticketed if it is required in your state. You will probably have to pay a fine.

Answer 2

you didn't say if there was a police report filed. if so, you might be cited for no insurance? in the State where i live, you have to provide proof of insurance before you can get license tags.

i know insurance is an extra expense, but an accident can happen at any time, when you least expect it. god forbid it happens again.

if you can't afford insurance right now, can you borrow money from someone to get the minimum coverage? you really need to get insurance soon as you can..... if you would happen to cause an accident, YOU need to be protected, and insurance will protect you from many problems (such as going to court, paying fines, or even having to pay someone else medical bill or damage costs).

i hope you will protect yourself and get that taken care of soon as possible.

all the best!

Answer 3

If you're in a no fault state, no. You have to pay for the first ( some states it's 10k ) whatever amount is set for that state. You can be ticketed for not having insurance. So, I'm assuming it wasn't that bad, where you didn't call the police. If you call his insurance company, they'll ask for your policy #. I wouldn't call. Make sure that you have the title/registration in the glove compartment too. That's another ticket if you don't. Keep your insurance card in your car.

Best wishes.

Answer 4

It depends on where you are. His (the guy who hit you, if it is determined to be his fault) insurance may pay for it, but you may still get fined and your license suspended. If the car isn't in your name, then the person who's name it is in may be faced with this instead. It doesn't matter if you bought the car, or it was given to you, if you are driving it on the road, you are still obligated to have insurance.

Answer 5

You've just SCREWED your friend unless you're included on his insurance policy, which I doubt. Not only will his insurance NOT pay for it, but then his insurance company will RAISE the amount of his monthly payments. Here's an idea - Why don't you call your friend and let him know what happened so he can start figuring out how to save himself!

Answer 6

LOL, I don't know about where you live, but in most places it's illegal to drive without insurance. Most likely you're in for some trouble. If he decides he got 'injured' he could sue you, and since you have no insurance the legal bills/payments will now fall on you.

Answer 7

Only if its his fault. In other words did you or he get a ticket for causing the accident? Also did he even have insurance? If its your fault,you couldbe held liable for property and/or medical damages, which is why you carry insurance. If its your car,youre responsible for carrying insurance on it and now you see why.

Answer 8

Um...maybe. But sometimes accidents have "shared fault." Meaning if you did ANYTHING to contribute to the accident, the person that hit you can claim he is only 60% responsible, etc.

It is ILLEGAL to drive without insurance. Just in case you didn't know...you can lose your license if a judge finds out.

Answer 9

Yes, but you will be responsible to pay for his damages, if you dont have insurance he can sue you. You have no business driving a car without insurance.

Answer 10

well, his insurance should pay for it but thats not the point. If insurance is required in your state you may be charged for not having insurance in the first place. Our state requires insurance before you drive a vehicle.