English Deutsch Français Italiano Español Português 繁體中文 Bahasa Indonesia Tiếng Việt ภาษาไทย
All categories

so i got into a car accident in the middle of june, and the stupid lady that hit me did not end up having insurance. so i have to pay out of pocket (my deductible) to get the damages to my car fixed. im scheduled to go in tomorrow to get it appraised..

she told me to bring my registration and my license, but there is only one problem: i dont have a license right now. my license was suspended a couple weeks ago and i wont get it back until october. how can i get around this? should i just call my insurance and tell them ahead of time? because i still have my policy, and by law, they should still hvae to fix my damages i would think... ? :(

2007-07-30 04:33:11 · 8 answers · asked by coleeyd 2 in Cars & Transportation Insurance & Registration

8 answers

Your covered for the accident. Your insurance should pay the full amount for the repairs. It is the responsibility of the insurance company to collect from the party at fault. I have a couple of questions for you on this case: (1) was there a police report filed, charging this woman with the accident? (2) Was this person ticketed, or arrested for driving without insurance? (3) Was this person permitted to drive away after the accident without insurance? (4) Why does this person have to be present when you get appraisals?
If this person was charged with the accident, she is responsible for the damages. Without insurance, you may have to take her to Civil Court to receive remedy. Get a copy of the police report, follow up on it. Get the car damages appraised, but by right you can have your car fixed wherever you want. Drill the uninsured driver into the ground!

2007-07-30 05:02:15 · answer #1 · answered by Anonymous · 0 0

Ok. so here is what yuo need to do.

1) Call up the appraiser and tell them you recently lost your license and you can NOT bring the car in tomorrow or any day because you can not drive.

2) If the accident happened before you lost your license, then all is well. If your accident happened after you lost it then your recovery is problematic. Chances are there is a requirement in your policy that your car be driven by a licensed driver or the insurance is invalid (that means they don't have an obligation to pay you anything).

3) Your real source is the lady that hit you. Even if your license was suspended, she still owes you for the repair. Collect your estimates (car damage, injury (?) whatever (obviously you can not claim a rental car) and go sue her - either in small claims ($5,000 or less I think) or get a lawyer and go big time.

seems pretty straightforward.

as a follow up

1) STOP DRIVING... you are not insured and you are risking a substantial chunk of your earnings for the next 5 or 10 years should you have an accident and injure someone. Even if you get pulled over for a ticket you will risk going to jail (Remember Paris ?)

2) Cancel your insurance until you start driving again (legally) or the car is repaired. You will at least save a few bucks in the meantime.

.

2007-07-30 04:51:21 · answer #2 · answered by ca_surveyor 7 · 0 0

Any "Law" questions should include the state in the question. You'll be fine as long as you can prove you had a license at the time of the accident. Leave well enough alone. Don't go calling and alarming everyone the you have a suspended license. The insurance agency probably has a policy that the policy holders must notify the agent of any changes in driving record or license status. I doubt many people abide by this. Instead of setting yourself up, just bring proof that you had a valid license instead of the real thing and there should be no issues. Whomever you speak with, be sure and use their name when you speak to them, instead of "sir" or "ma'am" etc... Just a little tip :) Kindness and Patience overcome all.

2007-07-30 04:41:30 · answer #3 · answered by will.walker 2 · 1 0

Were you licensed to drive at the time of the accident? That's all that matters to the insurance. If you had opted to have uninsured/under-insured coverage, you wouldn't have had to pay the deductible out of pocket, so that was your choice. If the accident was not your fault, your insurance will go after the other person for the costs, including your deductible, so there is a chance you will get it back eventually.

2007-07-30 04:39:42 · answer #4 · answered by oklatom 7 · 0 0

As "Blackfangz" stated, if you had a valid license at the time of your accident, there won't be any problem, but if your license was suspended at the time of the accident your insurance carrier may deny your claim.

In either case they will discover that you now have a suspended license, and depending on why it was suspended, they may increase your premiums. Sorry.

2007-07-30 04:44:52 · answer #5 · answered by Peedlepup 7 · 0 0

Not necessarily. It depends on your policy, but vehicles are only covered when operated by a licensed driver. Since you had a license at the time of your accident, I think you'll be okay. You'd better have somebody else with a license drive the car to the meeting with the adjuster, though.

2007-07-30 05:29:55 · answer #6 · answered by Anonymous · 0 1

If you have a valid license when the accident occurred, you're fine. Just tell it like it is!

2007-07-30 04:38:24 · answer #7 · answered by blackfangz 4 · 0 0

If you had a license at the time of the accident you will be ok.
Just explain it to the ins. folk.
DON'T DRIVE!!! You will only magnify your problems

2007-07-30 04:39:46 · answer #8 · answered by hotdogseeksbun 6 · 0 0

fedest.com, questions and answers