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labonnevie
sometimes 1+1= 4 <3
Member since 8/09 3869 total posts
Name:
the lucky one
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has anyone gotten into a car accident while their insurance was lapsed?
need advice.
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Posted 9/14/11 8:16 AM  |
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MrsBurtch525
Year for change!
Member since 1/09 6017 total posts
Name:
Taryn
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Re: has anyone gotten into a car accident while their insurance was lapsed?
I friend of mine did a few years ago, ended up having to pay for everything to fix his car because he technically had no insurance because it lapsed, there was no coverage for the time of the accident.
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| Posted 9/14/11 8:25 AM |
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labonnevie
sometimes 1+1= 4 <3
Member since 8/09 3869 total posts
Name:
the lucky one
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Re: has anyone gotten into a car accident while their insurance was lapsed?
Posted by MrsBurtch525
I friend of mine did a few years ago, ended up having to pay for everything to fix his car because he technically had no insurance because it lapsed, there was no coverage for the time of the accident.
was he at fault? what about the other cars? were there injuries?
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| Posted 9/14/11 8:26 AM |
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Linda1003
love my 2 boys
Member since 8/08 10923 total posts
Name:
Linda
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Re: has anyone gotten into a car accident while their insurance was lapsed?
they can sue you personally if it was your fault. If it was their fault..go thru their insurance company and it wont matter..
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| Posted 9/14/11 8:28 AM |
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Pomegranate5
LIF Adult
Member since 2/11 4798 total posts
Name:
Pomegranate5
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Re: has anyone gotten into a car accident while their insurance was lapsed?
I don't know how long it was lapsed for, but there is a small grace period (a couple of days), so if you are still in that time period you can have it reinstated and it will be like there was never a lapse.
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| Posted 9/14/11 9:10 AM |
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BargainMama
LIF Adult
Member since 5/09 15657 total posts
Name:
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Re: has anyone gotten into a car accident while their insurance was lapsed?
How long was the lapse?
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| Posted 9/14/11 9:31 AM |
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MrsPJB2007
MBA at your service!
Member since 7/06 12020 total posts
Name:
MJ
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Re: has anyone gotten into a car accident while their insurance was lapsed?
If you received notice that the insurance would be cancelled by XXX date, and did not make payment or follow through with whatever the reason for the cancellation was by that date, and the accident happened after that date, you are responsible for all costs associated with the accident.
If the other party had insurance coverage, their company will likely attempt to subrogate their losses by suing your personally.
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| Posted 9/14/11 9:47 AM |
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Xelindrya
Mommy's little YouTube Star!
Member since 8/05 14470 total posts
Name:
Veronica
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Re: has anyone gotten into a car accident while their insurance was lapsed?
Why was it lapsed? (no payment or non renewal) ?
How long was the lapse?
Can the policy be reinstatement with no lapse? (aka with payment, most will, but not all)
Is the party that is uninsured the at fault party?
Ultimately it is the responsibility of every car driver on the road to carry enough Liability insurance to meet state minimums for the benefit of bodily injury and property damage done to others. If you do not carry enough limits (or none at all) you will be held personally liable for those damages. Putting aside the legal side of not carrying insurance to start with, that party can be held financially responsible for all of it up to but not limited to lawsuits.
I’ve been hit but an insured driver. I wanted to personally flog him. I wanted to stomp on his ballsack and watch him squeal in pain. He nearly killed me. Ultimately I had uninsured/underinsured coverage on my policy that helped pay for my damages and he ran before I could find him (back to Mexico, because he also happened to have no driver’s license). But yes, if I could have found him, I’d have gone after him for all my medical and vehicle damages.
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| Posted 9/14/11 9:55 AM |
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KittyKatCopper
missing my handsome boy
Member since 3/09 1579 total posts
Name:
Kat - HamptonsBride (LIW)
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Re: has anyone gotten into a car accident while their insurance was lapsed?
If your insurance lapse is long enough they will suspend your registration. If you are driving with a suspended registration you can get a ticket which is a misdemeanor not just a violation & your car can be impounded.
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| Posted 9/14/11 3:10 PM |
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Re: has anyone gotten into a car accident while their insurance was lapsed?
3 things that are certain in life:
Death
Taxes
The need to pay car insurance
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| Posted 9/14/11 4:45 PM |
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Re: has anyone gotten into a car accident while their insurance was lapsed?
Everyone pretty much gave you all the information you need to know, but you may also be fined by the DMV for the lapse, depending on the length you went without insurance.
As previously mentioned, if you don't pay the fine they can suspended your registration.
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| Posted 9/14/11 6:41 PM |
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lonamuller
LIF Zygote
Member since 9/11 3 total posts
Name:
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Re: has anyone gotten into a car accident while their insurance was lapsed?
Driving without insurance is a big no-no. Firstly, you can get pulled over for something as minor as going over the speed limit and get fined, get your car impounded, and your license rescinded/ And if you get into an accident and are found at fault you will be responsible for any medical attention or repairs required by you or the other party. This affects your automobile insurance quotes in future.
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| Posted 10/5/11 12:23 AM |
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MST9106
My life:)
Member since 6/06 9589 total posts
Name:
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Re: has anyone gotten into a car accident while their insurance was lapsed?
You're going to get fined by the DMV, and if it was your fault, you will be sued directly. If it was the other car's fault, you can recover damages through their insurance and you will still get fined by the DMV...and its a lot. Driving without insurance is a BIG no-no. Not only that, your registration will be suspended until you pay the fine and if its past due over 90 days your license will be suspended as well.
ETA: Here is more information http://www.nydmv.state.ny.us/insurance.htm#cp
Message edited 10/5/2011 11:07:41 AM.
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| Posted 10/5/11 11:04 AM |
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