My #CAR INSURANCE Lapsed And I Had An Accident
My car insurance lapsed and i had an accident. If your car insurance lapsed and you had an accident, you’re personally liable for the damages. When the insurance policy could have covered your losses, you have to pay your damages out of pocket. Also, if the other side has a claim against you, they may seek payment from your personal assets rather than from the insurance policy.
In the first scenario, you are in an accident, do not have current insurance, and someone else hits you. It is possible to have the damage to your car covered under the at-fault driver's insurance. Despite popular belief, failure to provide proof of valid insurance at the time of an accident does not automatically make you at fault.
You can always explain the situation to your auto insurer. Be honest: Say, “My car insurance lapsed and I had an accident,” and ask if they can help. If your car insurance lapse was caused by circumstances beyond your control — bank fraud, a medical emergency, a military deployment — then your insurer may be willing to work with you.
Tell the person who is suing you that you did not have insurance and you an not pay very much [which is what I assume the situation is]. If they have uninsured motorist coverage their insurance company will pay them and then go after you. If the accident was your fault it is best that you try to settle the case.
Because you didn't have insurance at the time of the accident, all repairs to the other vehicle and yours will have to be covered out of pocket. I recommend getting a new car insurance quote as fast as possible in order to avoid any additional out of pocket expenses. Generally speaking, most drivers who don’t carry auto insurance lack the finances or assets to pay for the damages they cause in accidents. There are exceptions, of course, and a seasoned personal injury attorney can help you determine if filing a lawsuit would be worth your time.
Even if you had found out that your insurance had lapsed (prior) to the accident, then insurance could reinstate your policy, but would (exclude) any coverage during the time of the lapse. No you won’t go to jail. But, your license and registration (could) be suspended till you pay for the damages to the other car.
At Fault Accident, Insurance Lapsed I was involved in an accident in Georgia, brakes were unresponsive and hit car #3, which hit #2 and finally hit #1. Car number #1 stalled and there is damage on all four cars. I found out my insurance lapsed only today from my parents who were paying and car #2 driver complained of whiplash.
Sorry, couldn’t resist. As long as your insurance company had full knowledge of the first accident (by which I mean you filled out whatever forms they asked if you honestly) - then you were insured for accident 2 and coverage will apply for that accidentI hope that I have provided the information that you were seeking.
My car insurance lapsed and I had an accident. A bad situation to be in would be getting into an accident when you have a lapse in coverage. If you’re found to be at-fault for the accident and you don’t have insurance, you’ll be on the hook for the payment of all the damages done to both the car you hit and the people in the car.
Your only car was in an accident. The consequences of canceling your auto insurance can be severe. It can be especially dangerous if the cause of the lapse is related to money. Forgetting to pay your bill or not having the funds implies you may still be driving your vehicle. No, until you have paid off the damages and probably obtained an SR22 form, they will not let you get your license back, which means no insurance, and no registration. Yes, they keep records. No, you won't be able to cheat the system.
For all practical purposes, having lapsed car insurance coverage is the same as having no car insurance coverage. Whether you fail to remit timely premium payments during the policy term, or for a renewal term, the result will be the same -- your policy will be cancelled or lapse, and you will no longer have car insurance to protect you from the risks of a car accident.
