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Silverthorne Attorneys is a personal injury law firm in Orange County whose top priority and singular focus is the people we represent. We work diligently to make sure that our clients are well taken care of and that their needs are not only met, but come first. Injured now? Do not hesitate to reach out to Silverthorne Attorneys for a free consultation.
What if I Don’t Have Insurance?
What if I don’t have insurance? Believe it or not, there are consequences for driving without insurance. Even if you are not the one responsible for the accident. Even if you are not in an accident and a cop pulls you over, the consequences of driving without insurance are tremendous.
What if I don’t have insurance?
If you are in an accident and you are not the driver who is at fault, there are restrictions you can recover against the at-fault driver. Since California is a “No Pay, No Play” state, that means that there is a limit to the amount of compensation you receive. You will still receive compensation for damages to your property as well as any medical bills you have accrued. Unfortunately, you will not receive compensation for pain or suffering. Why this rule was put into place is: if you do not have insurance coverage to provide full compensation to another, then you should not be able to claim full benefits from someone else’s insurance company.
If you are at-fault in the accident, the passengers of the car you hit may have access to receive compensation by going after any number of your assets. These assets include your savings, a portion of any earnings from future paychecks, even your home.
Even if you are in an accident and driving without insurance, the at-fault driver will be responsible for paying for damages. This includes property damage as well as repairing the damage to your vehicle. Unfortunately, it will not include covering any pain and suffering you may sustain from your accident.
if a drunk driver comes up behind you and crashes into you and you become paralyzed, you will not be paid for pain and suffering. Until your personal injury attorney resolves your case, you may end up paying your own medical bills. Even if the accident isn’t your fault. Which is why we always suggest that you have car insurance. If even you can only afford the minimum. It is better to be safe than sorry.
What if I don’t have insurance? There are Penalties
Most states will “punish” you if you are caught driving without insurance. This includes fines that range from hundreds to thousands of dollars.
- If the police pull you over, not only will you get a ticket, but they may revoke or suspend your license. Furthermore the DMV may suspend your vehicle’s registration.
- After the police file their report with the DMV, the DMV automatically will suspend your license. The penalty is a minimum of 6 months. This happens even when you are not the one who caused the accident.
- You may have to pay your own medical expenses while you are waiting for your case to settle. This is because you do not have uninsured motorist coverage to help even out the costs.
- Driving without insurance can damage more than just your driver record
- It will be more difficult for you to obtain car insurance after you have been in an accident without coverage. Insurance companies may refuse to cover you or they may increase their rates. This is not only because of the accident, but because they do not like seeing uninsured motorists on the road. It makes you a liability.
It is always better to be safe than sorry. Always make sure that you have insurance. Make sure that you have a copy of your insurance card with you when you are on the road. If you are going to be on the road, do not put yourself at risk by not having insurance.
If you are suffering from injuries due to an accident, contact our office today. We are more than happy to help you with your case. Consultations are free.
What if the Other Driver Doesn’t Have Insurance?
What if the other driver doesn’t have insurance? It is mandatory for anyone who has a car and a license to drive to obtain auto insurance. But it is estimated that one in seven drivers on the road do not have car insurance at all.
Knowing what to do after your accident is incredibly important. Knowing and being aware of common mistakes to avoid is important. It is also important to be aware that you can be fully compensated for medical expenses and repairs to your car.
If you find yourself involved in an accident with a driver who is uninsured, you may have to rely solely on your own insurance company to cover your damages. You may also want to check your policy to see of you have uninsured motorist coverage. Uninsured motorist coverage protects you in case you are involved in an accident with a driver who does not have car insurance. We will go into uninsured motorist coverage in more depth at a later time.
What if the other driver doesn’t have insurance?
Here are some tips to handling an accident with a driver who does not have insurance:
Call the police to the scene
When it comes to car accidents where there is more than minor damage or a fender bender, it is a good idea to call the police to the scene. They will take down a report and get statements from all those involved. It’s actually more important when you are in an accident that involves an uninsured driver. Having the police take a report will be incredibly beneficial when it comes to the claim process.
- Make sure to take pictures of any damage to the car, the location where the accident took place, skid marks, and any other details of the scene.
Exchange information with the other driver
You may not find out until after the police arrive that the other driver is uninsured. But be sure to get all of the information you can about the other driver and their vehicle, as well as contact information from any of the passengers, as well as any witnesses to the accident.
Contact your insurance company
Just like any other accident, you want to contact your insurance company and get started on the claim process. If you have uninsured motorist coverage for both bodily injury and property damage, your insurance company will move forward with making your claim. If you do not have this coverage, an agent will help you plan your next steps.
Take care of yourself
If you were injured in an accident, you will begin to incur medical bills. Normally the other driver’s insurance coverage would take care of it. However in a situation where you are in an accident with a driver who does not have insurance, your health insurance may take care of the medical bill. If you have a MedPay policy attached to your car insurance policy, that may also cover it.
Take care of your car
Talk to your insurance company to see where you can take your car for repairs. If you have uninsured motorist property damage protection, your repairs will be taken care of. It is as though the other driver’s insurance is taking care of it.
What if the other driver doesn’t have insurance? | Hire an attorney
What if the other driver doesn’t have insurance? If you have been in an accident with an uninsured motorist, you have rights. Contact a personal injury attorney to help you navigate through this time. While you are focusing on your recovery, your personal injury attorney will take the burden off of your shoulders. We will work with your insurance company and the at-fault driver to get you the settlement you deserve.
If you are suffering from injuries due to an accident, please contact our office today. Consultations are free.
Information to Exchange in a Car Accident
Want to know what information to exchange in a car accident? First, it is customary to exchange insurance information at the scene of the accident. If you face a situation where the other person does not want to give you their information, do not worry. You can still file a claim even if others do not cooperate. If the other driver refuses to give you their information, that does not mean that you will be stuck paying for medical bills or for car repairs.
Exchanging Information after an Accident
Typically it would be the responsibility of the at-fault driver’s insurance company to pay for any damages to the car as well as any medical bills that you have accrued due to the accident. If the other driver of the vehicle is uninsured and you carry collision coverage, making a claim with your insurance company is a good idea. Uninsured motorist coverage also helps in the long run. It covers damages to your car as well as any injuries to you and your passengers caused by the negligence of the uninsured driver. If the at-fault driver leaves the scene of the accident, your insurance company may treat them as an uninsured driver.
Information to Exchange in a Car Accident
Below, we have put together some helpful tips on what to do if someone refuses to give you their insurance information.
Check for damages and injuries
Your first priority after an accident is to make sure that no one is suffering from injuries. If someone is injured, make sure you call 911 to the scene right away.
It is very important to remain calm after an accident; especially when the other driver refuses to give you their information. If you get into an altercation with the other driver or passenger(s) of the other car, you not only risk being hurt, but you also risk facing charges. If your first attempt to gather information is unsuccessful, the best thing to do is to walk away.
Gathering as much information as necessary is always important if you have been in accident. However, it is much more important for you to gather this information if the other driver will not give it to you. Try to write down the license plate number, make and model of the car, etc. If there were any witnesses, write their names and numbers down and share it with the police as well as your insurance company.
Make sure to take as many photos as possible after an accident. You will want pictures of the accident, the scene where the accident happened, damage to your vehicle as well as the other party’s vehicle. These photos can be used later to help the insurance company determine who was driving the other vehicle.
Notify the insurance company
The sooner you notify your insurance company of your accident, the sooner the claim process and investigation can begin. You can expect to hear back from an insurance adjuster within a day or two after you file a claim.
Contact a personal injury attorney
If you or anyone in your vehicle have been injured in an accident, contact a personal injury attorney. A personal injury attorney will take the burden off of your shoulders by dealing with the insurance companies. This is so you can focus on your healing.
People who do not like to give out their insurance information fall under one or more of the following categories:
- stolen the car
- are an uninsured motorist
- or the owner of the car does not know it has been in use
Related Article: Benefits of Hiring a Personal Injury Lawyer
People usually have their own reasons for not giving their insurance information. Sometimes people do not want the accident to go on their record and effect their insurance policies. Some people are driving not only without insurance, but without a license. Whatever the case, you have rights. A personal injury attorney at Silverthorne Attorneys will help you get the settlement you deserve.
If you are suffering from injuries due to an accident, please contact us today. Our attorneys have experience dealing with these issues. If you need a car accident attorney, please do not hesitate to contact us for a free consultation.