What happens if you're involved in a auto accident and have no car insurance and no license?

Answer 1

At fault accident with no insuranceIf you were At Fault, you can be held liable for all the costs of damages and injuries associated with the accident you caused. If you had purchased insurance, the financial liabilities would have been transferred to your insurer via your insuring contract.

If the other party had only liability coverage, Since you have no insurance, the individual will have to pursue you directly for their loss. As you state that you are uninsured their is no insurance company for them to pursue the claim so they would have to sue you directly if they so choose.

If the other party had Full coverage and was paid by their insurance company, then the right of recovery passes to that insurer who can also pursue you for the costs they incurred in covering the damages from the accident you caused.

If you live in one of the 18 U.S. states that have no fault insurance statutes, the other persons insurance will cover a portion of their injuries under first party injury coverage but No Fault does not apply to property damage so they will still have to pursue you directly for property damage reimbursement.

If you live in one of the 38 U.S. states that operate under traditional tort then no fault has no bearing on your financial obligations.

Most states do have a "First Party" Medical coverage requirement usually referred to as PIP (Personal Injury Protection) for injuries regardless of fault on an auto insurance policy that many laymen confuse with no fault. It is simply an assurance of minimum first party personal injury coverage for a motorist and should not be confused with no fault.

Since No U.S. State has a true no fault auto insurance. The National Insurance Council has recommended several years ago that usage of the term be discontinued to avoid confusion among the general public.

AnswerMost injuries will fall under the issues of "No Fault" laws in your state if you live in one the 18 No Fault States.

First and foremost, failure by you to carry auto insurance is a criminal matter in the US. See the laws specific to your state for the penalty that can be incurred for failing to insure your vehicle.

Just because you hit another vehicle is not proof that you are at fault.

About No FaultInsuranceNo fault insurance laws are similar in every state that has them. Eighteen states have no "No Fault" laws. There are enough differences in those states where No Fault laws exist to make it impractical to give a comprehensive answer.

By and large, you are protected to some degree by the insurance coverage you have. Your contract with your insurance carrier is between you and they. The No Fault laws simply make it difficult or impossible for you to seek compensation/restitution from the other party's insurer. It is the place of your insurer to seek damages from the other party's insurance carrier.

Now in the case of an uninsured motorist (UM) or under-insured motorist (UIM), each state regulates what can be done. Much of this falls under personal loss, personal injury, and liability law. The one matter that is the same in all states is the question of fault. "No Fault" is an insurance matter. The assignment of fault in an accident is a matter of who did what.

For instance: if you hit another car where the other driver failed to yield the right of way, that driver is at fault.

If however you fail to yield, say while entering the highway (merging from an entrance ramp), and your vehicle clips another, you are at fault.

The at fault driver is liable. The courts of each state must determine the dollar amount for that liability. In many states, physical liability is limited (the amount paid out for specific injuries), but the amounts paid out for mental and/or emotional suffering, and punitive damages can be largely unlimited.

You must recover your damages from your insurance provider, who in turn may sue the other party's provider to recover their damages, OR you must sue under Loss, Injury, and Liability laws. If you fail to sue, and you are uninsured, you get nothing. If you are uninsured and get sued, you are liable for the judgment of the court and subject to the collection laws of your state and the federal government. In states like Louisiana and other areas in the south and southwest, recovery from parties unwilling to pay makes civil suit a waste of time. (See the specific collection laws of your state AND the FFDCPA--Federal Fair Debt collections Practices Act).

The short answer here then is that you as the uninsured driver can be sued. If you are at fault, the "civil" liability is yours under the jurisdiction of the state courts.

In the event of criminal liability or criminal negligence (such as DWI/DUI type situations), the state or federal government will step in and your civil responsibility will be of little or at least secondary consequence.

In addition to this, most states have some sort of civil or criminal penalty for those who are uninsured or who do not or cannot provide proof of insurance.

For instance, in the state of Michigan, failure to provide proof of insurance at a traffic stop can result in a civil infraction (the issuance of a ticket), at the discretion of the law enforcement officer. This ticket is similar to a "Repair and Report" type ticket. You will be required to show proof of insurance to the court within, typically, thirty days. That proof need not be retroactive to the date of the infraction. You could purchase insurance the day of your court appearance and satisfy the court. Failure to show proof to the court CAN result in a misdemeanor charge, with a sentence of thirty days to one year in jail, and/or up to a $500 fine. It is not automatic however, and is up to the discretion of the presiding judge.

However, if you are unable to show proof of insurance, AND you have seven (7) or more points on your license, you may be entered into the Driver Responsibility Program (Driver Responsibility Law MCL 257.732a), and you will be required to pay a fee of $200 per year for at least two years. Failure to pay the fee can result in the suspension of your license.

As stated previously, every state is different; however, the similarities between them may be covered in the Michigan example.

Answer 2

1. You will have to pay for the injuries or damages, and a court can order your property and wages seized as partial compensation.

2. You may be fined for driving without insurance, if your state requires it, and for filing false documentation if you are required to swear on your renewals that you have (or maintain) insurance.

3. You will have a large bill for legal fees.

4. You may have a hard time getting insurance in the future.

Answer 3

Basically, you're out of luck. It's a crime to drive without a license. And it's almost certainly going to be treated as your fault, meaning nobody's going to pay to repair your car and you're going to have to pay to repair the other car. (In practice, the other guy's insurance will probably pay for his car ... and then they'll go after you to try to reclaim the losses. And they have very good attorneys.)

You will end up paying the judgement for years to come. Probably is a lot cheaper to buy the insurance and get the license to begin with, or take the bus. Driving is not a right; it is a responsibility, but now you know that.

It is also likely that you will be arrested and the car will be impounded. That will result in a criminal record and impound fees that will be your responsibility. If you ever get it together to get a valid license and a car you will find yourself in a high risk category and your insurance will be very expensive.

Answer 4

get a legal aide lawyer and try to settle things.

Answer 5

You end up putting pieces back together on your own pocket. and get car insurance ASAP. And learned a good lesson that car insurance is a must.

Answer 6

You Can Claim For Money Depending on whether or not you HAVE insurance. If you dont have insurance. your screwed.