If I rear-ended a young man and showed him an expired policy card because I don’t have insurance, what should I do?
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If I rear-ended a young man and showed him an expired policy card because I don’t have insurance, what should I do?
No police report was made.
Asked on March 18, 2012 under Accident Law, California
Answers:
Ruth Johnson / Law Office of Ruth E. Johnson
Answered 12 years ago | Contributor
C. Donald Briggs, III / Briggs & Counsel, LLC
Answered 12 years ago | Contributor
You should wait and see if the young man or his insurance company decide to sue you for the damages caused by the crash. Presumabley the young man has insurance to pay for a loss caused by an uninsured driver. You should consult an attorney if suit is filed so that you can determine your best course of action.
Gerard Scott / Scott Law, P.A.
Answered 12 years ago | Contributor
Most city ordances require that injury accidents or accidents with significant property damage be reported within 24 hours. Additionally, if the other driver makes a claim against his own auto insurance for property damage or injury, his company will require him to report the accident. Once that occurs you might be asked by the investigating agency to fill out an info sheet regarding the accident. At that point you should speak to a lawyer. Through a variety of ways these matters some times do come the attention of the state licensing bureaus and automatic suspensions for not maintaining insurance are ssued. If you haven't already, get insurance and maintain it.
BARRY BESSER / LAW OFFICES OF BARRY I. BESSER
Answered 12 years ago | Contributor
If he has uninsured motorist coverage, they will pay up to their policy limits. Then, their insurance company could come after you for reimbursement. If they do not have uninsured motorist coverage, they will come after you personally.
BARRY BESSER
Hong Shen / Roberts Law Group
Answered 12 years ago | Contributor
If you do not have insurance, either his own insurance will cover the loss or he would sue you for damage.
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