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What happens if you have no insurance but the other driver was at fault?
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When you’re involved in a car accident, the question of fault and insurance coverage becomes crucial.
Here’s what happens if you don’t have insurance, but the other driver is at fault:
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After a car accident in which you’re not at fault, you need to take specific steps to:
Here’s what to do after a car accident that’s not your fault:
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Driving without insurance is a risky move.
And if you find yourself in an accident without coverage, you might face several consequences.
Here is what happens if you get into a car accident without insurance.
If you’re at fault:
If the other driver is at fault:
Regardless of fault, without insurance:
On average, in many states, a license can be suspended for 30 days to 6 months for a first-time accident without insurance.
However, repeat offenses or serious accidents can result in longer suspensions.
Here are other questions we get asked about this topic.
Let’s say someone who is not on your insurance crashes your car.
Your car insurance will typically cover the damages, primarily under your collision coverage.
As the policyholder, you’ll likely have to pay the deductible.
As a result of the claim, your insurance premiums might increase.
If the driver is found at fault, your liability coverage might help pay for damages to other cars or any resulting injuries.
The driver’s personal insurance might also come into play in some cases.
However, it’s important to note that your policy could have exclusions.
For instance, some policies might not cover drivers who aren’t specifically listed.
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If the person at fault in an accident has no insurance, they become personally responsible for damages.
The injured party can sue the at-fault driver for compensation.
Additionally, the injured party’s own insurance may cover some costs under “uninsured motorist” coverage.
However, the at-fault driver:
As a result, the injured party may end up paying out-of-pocket if neither party has adequate insurance.
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If you are in an accident, even if it’s not your fault, you should notify your insurance.
Reporting ensures that your rights are protected and allows your insurance to start its own investigation.
This can be beneficial in situations where the other party disputes fault.
Many insurance policies require timely reporting of all accidents.
And not reporting could lead to complications or denied claims in the future.
Always keep your own records of the accident and any communications.
Read More: What Happens If Someone Wrecks Your Car And They Aren’t On Your Insurance?
If you don’t tell your insurance about an accident, you may breach your policy terms.
This can lead your insurer to deny a later claim, making you risk paying out-of-pocket for damages.
Also, you could face higher premiums in the future and find it challenging to get coverage later on.
If you’re found at fault, legal liabilities may arise.
Delays in reporting can also cause evidence to be lost, weakening your claim.
Not informing the insurer may also result in the loss of certain policy benefits, like a no-claims bonus.
Ultimately, being honest maintains a good relationship with your insurer.
Informing them helps you better understand your coverages and rights.
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