it would be smart if stops the owner from reporting the accident
Then you are going to be out of pocket. For the repairs and possibly a fine.
Police are not called to the accident and previous owner may have paid for repairs out of his pocket.
In any state, if a driver is found at fault then he is responsible for the other car's repairs, either using his insurance company or out of pocket.
PLPD is also known as liability. If YOU hit someone else's car meaning that you are at fault, any repairs will come out of your own pocket because PLPD only covers damages for other vehicles. If you were not at fault it doesn't matter what coverage you have because their insurance carrier (if they have one) should pay for your vehicle damages.
No way! Do you have insurance? Does the other person? Who's fault? trade insurance info with the other person.
You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.
Auto insurance is important mainly because if you were to get into a car accident and you did not have insurance, the cost of repairs for both you and the other party may some directly out of your own pocket. Not to mention that is also highly illegal in every state to drive without insurance.
They don't meet the requirements for vehicles that can drive on the street.
you would have to pay for everything out of pocket
You need to read your insurance policy now or have someone look at it quickly. Some policies state that no coverage exists if you loan a vehicle to someone that is not licensed, that you know is not licensed, or that you should know is not licensed. This means that you could have to pay for the accident out of your pocket. Be very careful with loaning vehicles. I recommend that my clients not loan vehicles because you are also loaning your insurance and you insurance record. State to State laws vary as well so you will want to check state law as well. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that. You should also be aware that in the situation you described the car may be impounded adding impound fees to your out of pocket expenses.
As you failed to tke a insurance, you will have to pay from your pocket entirely.
If you have liability for an accident, you will need to contact your insurance company. If you do not have liability insurance, you may need to pay for the accident out of pocket.