I hit an SUV last year. I was coming off a small street into a larger one. I couldn't see and waited until I thought nothing was coming and I struck the SUV. the damage was not that bad. No one could tell I was in an accident because there was no damage to the car I was driving. I had no insurance because I did not own a vehicle at the time. the owner of the car had no insurance. Now the driver of the other vehicle and the 2 passengers are trying to sue me. Is there any way possible out of this?
2007-10-04 03:44:14 · 10 answers · asked by La Belle 2 in Cars & Transportation ➔ Insurance & Registration
I should make it clear that I DID NOT NOW HE HAD NO INSURANCE. HIS INSURANCED LASPED. Is it possible to buy an insurance policy without having a car?
2007-10-04 04:15:59 · update #1
Given you and the car's owner both DID NOT have auto insurance, you're in some hot water--and it's gonna cost ya!
I'm assuming you have a copy of a police accident report. On it, look where it notes injuries. You're looking to see if anybody in the SUV claimed any. If they did, then yes....you got some blues......
My advice is to seek an attorney on the ASAP. ANY time you drive another's vehicle, have them SHOW you their proof of CURRENT INSURANCE.
However............
It is curious on how if the car you were driving didn't get any bodily damage, how then can the SUV claim YOU damaged their vehicle?
2007-10-05 10:34:18 · answer #1 · answered by Anonymous · 0⤊ 0⤋
This is America.. anyone can sue anyone for anything.. but in this case the other side has a point.. YOU hit them and caused enough damage or trouble that they feel they need to be compensated.
Insurance is mandatory for the vehicle in all 50 states so the owner is responsible for a vehicle violation and impoundment, but the bottom line is you caused the accident and you are responsible.
YOu can argue that you didn't know, and that the other person didn't tell you, but the counter to that is a simple 'Why didn't you ask?'
In short, you may be scr*wed. If you have any assets at all I would consider trying to shelter them to some extent but eventually you will have to be responsible for the damage you have caused.
You should prob. hire a lawyer for a least some professional advice. However be prepared to learn that perhaps the best you can do is to contact the other side and see if they will offer a settlement.
As to the owner... I am sure they will be suing him too.. so between the two of you you may have enough to satisfy the other side.
.
2007-10-04 04:50:50 · answer #2 · answered by ca_surveyor 7 · 1⤊ 0⤋
It is your responsibility to make sure an auto has insurance before you drive it. In most states, it is against the law to drive without insurance. The insurance follows the vehicle. If there is no insurance on the vehicle, the law suit will follow the driver. You are at fault for the accident and it was your responsibility to make sure there was insurance on the vehicle you were driving. There is really no way out of it. You are lucky you were not arrested. Good luck and make sure any vehicle you are driving is insured - a CARD is NOT proof! Call the insurance agency and make sure the policy is still in force!
I am an insurance agent.
peace ♥ happiness
2007-10-04 07:33:25 · answer #3 · answered by Anonymous · 1⤊ 0⤋
why do you think you are exempt from being sued?
you are at fault for an accident; you, nor was the owner of the car had insurance; the other car and passengers had damages and injuries and are owed for their loss;
if you or the owner of the car had had insurance, you would not be in this mess;
my suggestion is to contact an attorney on how to proceed;
from this experience, you will realize that the cost of buying insurance will be a lot cheaper than what you will ultimately pay from having no insurance.
2007-10-04 04:12:37 · answer #4 · answered by lucy 7 · 1⤊ 0⤋
You broke the law by not carrying insurance now you have to pay the price. If you dont have insurance, you shouldnt be driving any car. Yes they can sue you.
I see this question on here a few times a week and it really grinds my gears that so many people drive without insurance and expect everything to be ok when they get an accident.
2007-10-04 03:55:56 · answer #5 · answered by twinturbo1994 4 · 0⤊ 0⤋
The fact that the car you were driving had no insurance does not exempt you from paying for the damage to the other car (how could you even think otherwise?). Yes you can and WILL be sued and you will loose. I suggest you gather up all the money you can and pay this before it gets to court. Then you will have lawyer fees and court costs added.
2007-10-04 05:05:46 · answer #6 · answered by Anonymous · 1⤊ 0⤋
To the best of my knowledge all 50 states require a minimum amount of insurance on a vehicle operated on public roads. You and the car's owner both violated this and now you are going to pay the price. Even without the law's requirement it is sheer idiocy to drive without insurance; it puts you personally at risk as you are now finding out.
I have always been of the belief that stupidity should hurt.
2007-10-04 03:49:07 · answer #7 · answered by Anonymous · 1⤊ 1⤋
Yes, it is possible to buy insurance if you don't own a vehicle. It's called non-owned auto where I work and covers you in any car you drive.
Yes, you are liable for the damages you caused and you should contact an attorney.
2007-10-04 04:26:07 · answer #8 · answered by chaychayolei 5 · 1⤊ 0⤋
You were at fault so yes they can sue. Now how to maybe get out of it. Well try contacting a lawyer.
2007-10-04 03:47:49 · answer #9 · answered by ziggy_brat 6 · 0⤊ 0⤋
yes it is possible you could be sued,you should abide by your states laws,esspecially if you were at fault
2007-10-04 03:56:53 · answer #10 · answered by bradley w 1 · 0⤊ 0⤋