i had an accident a month ago and I was at fault.Well my husband and I had no insurance on our vehicle..so we are stuck paying out of pocket for the damage done to the other persons vehicle...and then i have a court date on November 15th.The ticket is for entering an intersection while a stop light was emitting a steady red light for traffic in defendant's direction of travel.What I want to know is when I appear at my court date what may happen to me.I will obviosly have to pay a fine...but I need to know if my liscence will automattically be revoked?Please,I need real answers that I can be prepared with.
2007-10-26 15:56:41 · 7 answers · asked by Briannalm 1 in Politics & Government ➔ Law & Ethics
Laws vary by state. But yes you can lose your drivers license.
The insurance company for the other person should settle with them under their policy. The insurance company will then subrogate back against you - that means come after you to re-pay them. They will do this once the settle with the other person so it may not happen right away. In most states - the insurance company can get your drivers license revoked.
However - once the insurance company settles with the other driver - and comes back after you for money - they will agree to let you make payments to them - you don't have to pay them the whole lump sum. Usually a company will not take less than 50-100 per month. They will send you paperwork to sign (promissory note). You can take the promissory note to court and get your license back. As long as you keep making your payments - you keep your license. You miss a payment -it's gone again. The big advantage to this is the re-payment is interest free. So you only pay back what the insurance company paid _+ the other drivers deductible. The insurance company will not charge interest.
2007-10-26 16:17:16 · answer #1 · answered by Boots 7 · 0⤊ 0⤋
Here in NJ, if you don't have ins. and are just pulled over, you are in big trouble.. Driving without ins. is a major offense and besides a fine, you lose your license and could go to jail. If there's an accident and there's no ins. and you're at fault too, then wow, I wouldn't want to be in those shoes! If these people or person you hit claim injury, you could be sued for the injuries etc.even tho NJ ins. companies have a charge for each car in the family called Uninsured Motorist fees. It goes into a state fund so if you're hit by an uninsured motorist, it will pay for damages if the uninsured who hits you, has no money.. If no injuries, but just the car and you paid, then now it's you and the court about the no ins. and what they will do with you. I would consult with an attorney asap and hire one. If you can't afford one, you can ask the court to appoint one to represent you. You might get off with just the fine and possible loss of license for a time then, and no jail time, but that depends on the judge. You really need an attorney to help now. Good Luck and don't drive without insurance!
2007-10-26 16:41:27 · answer #2 · answered by Joanie 5 · 0⤊ 0⤋
If your smart you'll have a new insurance policy when you go to court. You will then most probably get to keep your license. If not, count on it being revoked for about 6 months. Accidents happen. That's why insaurance. Consider this! In 2000 a s simple appendectomy cost about $17,000 if no complications. So, how much for a broken leg in a car accident? If an adult they won't just put a cast on it. It will require surgery, pins, screws and rods And the result a lifetime of pain. My advice, get maximum coverage. It really doesn't cost much more. Also, get medical, uninsured and underinsured coverage for yourself even if you're driving a $500 heap.
2007-10-26 16:24:56 · answer #3 · answered by genghis1947 4 · 0⤊ 0⤋
I strongly suggest you secure car insurance quickly. And plead with them that it had lapsed and you were looking for another Insurance Company (it helps but is not the solution)...if you can do that. If you didn't have insurance for more than 3 months you will be screwed. Some states will let you drive on a restricted license only to work and grocery store. You will be responsible for the damages. If you can't drive to work...how are you going to pay for the damages? Basically you can't. There is some leniency here. You basically ran a red light and creamed someone.
2007-10-26 16:13:49 · answer #4 · answered by Toffy 6 · 0⤊ 0⤋
I had an accident with no insurance about two years ago. I lost my license for 6 months and I had huge fines and reinstatement fees. It's a real pain in the neck honestly. And you can't get your license back unless you have something from the other party's insurance co stating that you are paying for their damages.
2007-10-26 16:00:44 · answer #5 · answered by Eraserhead 6 · 0⤊ 0⤋
Well, your screwed as far as paying for it, your gonna pay for it.
Depends on the state. If your state requires insurance, you could be in a heap of trouble. If not, it will likley just be a fine.
BTW, Red means Stop.
2007-10-26 16:00:32 · answer #6 · answered by sweetie_baby 6 · 1⤊ 0⤋
What state are you in? Laws vary.
But in many states, you will automatically be suspended when you are found driving without insurance, whether you are in an accident or not.
2007-10-26 16:03:34 · answer #7 · answered by raichasays 7 · 0⤊ 0⤋