I have no car insurance and I hit someone. What will happen to me. Will I receive

Jason S

New Member
garneshed wages? thankyou I reciently got into a car accident where I rearended someone. I was inbetween jobs at the time and I paid the insurance late, and was told that I WAS NOT INSURED AT THE TIME OF ACCIDENT. I have no credit, credit cards, and own a $2k truck. I rent a room from a home owner........My question is what will happen to me? Will his insurance supina me to court and sue, and even if they don't sue and just attempt to collect the approx. $4k in damage, CAN THEY GARNISH MY WAGES? Besides this incidnet, I have a safe drivers and haven't gotten into an accident in about a decade! Any advice would be greatly appreciated. Thank you.
 

david b

Rookie
Thats really awful that they said you weren't insured. My insurance company has a grace period just in case your payment was late or came up missing. Its not something they would let you get away with constantly though. You would have to have a good track record before, no late payments. I guess they just figured its bound to happen sometime.

I'm sortof going though some of this stuff myself although I'm on the other side! A guy hit me head on and his insurance is really crappy, not enough to cover my medical expenses. I don't feel I should have to pay for bills that the other guy caused! I don't know what really will happen with the guy that hit me.

I do know that if the other guys insurance has to pay then his insurance company very likely will sue.

Sorry I dont have any more to offer. Good luck!
 

david b

Rookie
Thats really awful that they said you weren't insured. My insurance company has a grace period just in case your payment was late or came up missing. Its not something they would let you get away with constantly though. You would have to have a good track record before, no late payments. I guess they just figured its bound to happen sometime.

I'm sortof going though some of this stuff myself although I'm on the other side! A guy hit me head on and his insurance is really crappy, not enough to cover my medical expenses. I don't feel I should have to pay for bills that the other guy caused! I don't know what really will happen with the guy that hit me.

I do know that if the other guys insurance has to pay then his insurance company very likely will sue.

Sorry I dont have any more to offer. Good luck!
 

Mildred S

Rookie
sorry for the accident / stressful around the holidays i'm sure. the person probably won't sue you but their insurance company will probably try it. did you get a cancellation notice ? perhaps you should speak to some attys for a consultation (they don't usually charge for quick phone consults) and figure out if you can do anything about your own insurance company cancelling you for late payment. did they accept the payment you paid late / did that cause a lapse in insurance ? it sounds fishy to me. atty can also advise you of what exposure that you have and how you should best handle it . maybe set some payments up ? not sure what they will advise. you will also have some problems with the ticket / in not having insurance at the time possibly. ask and see how the best way to handle this is . good luck
 
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