Have you ever been in a car accident with no insurance?

Question

Googlemyahoo · Accepted Answer

Few years back stopped at an intersection I was talking to my wife my infant daughter in babyseat in back.

WHAM. Rear ended. I look back see this young girl lookup phone in hand then toss it down. Get out and immediately yell she was on her cell. Young girl gets out crying apologizing.

Wife suddenly went Mama bear & ran at the girl. I had to get between tell her to check our daughter. She was crying and apologizing saying she’ll pay please don’t call cops. Claimed it was a friends car she didn’t have insurance very apologetic and sobbing

We had an SUV with minimal damage her car went under our bumper and had damage to the hood. Exchanged info said I’d contact her with quote for repairs.

Turned out it required a new rear end and quote was almost 10k. I sent it to her & she replied that she wasn’t paying that 😑 then said I had to give her three quotes which she chose lol.

I flipped out said look you fucking idiot you are at fault you crashed into me. What I want to hear is yes sir not this bullshit. She had her Dad call to try talk me down I hung up.

Called cops, filed report then insurance. Cop asked why I didn’t call when it happened I explained it and he was fine with it.

Soon as she got call from my insurance she started calling actually saying “how dare you do that to me!”

Lol…. I told her to go fuck herself shoulda took my quote now you’re fucked. Have fun with super high insurance payments rest of your life asshole

Caliguy88 · Accepted Answer

No but I didn’t have insurance for a little while. Just bought a new car after not having one for a few months and forgot to get it. If you have, I’d talk to a lawyer. That can be a bad spot to be in. You will certainly have a lawsuit. I worked in insurance for a while. Not auto, but if you have any questions feel free to pm me. I understand the process they go through. Or I’d suggest if you know anyone in insurance, ask them. They can probably point you in the right direction.

MORPHEUS_12 · Accepted Answer

Never, Former DMV employee here. Every state in the US requires a driver to be insured. If you are found to not have insurance and you are in an accident you can and will get a ticket for no insurance. Most court jurisdictions charge a $500 fine and then when the court notifies DMV that you did not have insurance then DMV is going to charge you another $500 fine, as well as mandate that you file for FR-44 which is higher than your regular insurance would have been. They also stipulate that you must file this higher insurance for no less than 3 years. Also if you are at fault in an accident, the other driver can sue the pants off of you by filing a civil judgment.

misfittoy · Accepted Answer

never, but been hit by someone with no insurance and they totaled my car

scooogy · Answer

Been on my father's insurance and had an accident with a car on my bike. We both didn't do legal, so he asked me for my insurance info but nothing happened afterwards. He did a U-turn from a parking lot right when I crossed the street diagonally. I smashed his side window with my bike handle.

Flats-Runner · Answer

Driving without insurance is the dumbest thing to do.

Gooddaze · Answer

Nope. Why would you drive with no insurance. That is just stupid

Anonymous · Answer

No, who dumb enough to drive without insurance?

jjj101010 · Answer

I’ve been hit by a driver with now insurance

Blackcupcake · Answer

nope

Danny_dan92 · Answer

Never

EaterPeter · Answer

Nope

cootjuhh · Answer

no thats illegal

Anonymous · Answer

Thankfully no.

Have you ever been in a car accident with no insurance?

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