no insurance i got hit can i collect on other car

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i do not have my own insurance but was struck by someone. am I eligible to collect compensation from the other owner of the car that hit me?

Asked December 2, 2015

1 Answer

If an accident happens and you have no insurance, you could lose your license for a specified time period. You may be fined with penalties, subjected to legal issues, court dates and lawsuits for driving without insurance. If you can't prove you have insurance, you will have to go to court and the judge may sentence some form of legal punishment depending on the details of the accident.

Once the accident is investigated to determine the cause and fault, all parties are notified. If the other party is at fault, they are responsible for the damages and a claim will be filed with their insurance company. You need to have legal counsel manage the case, ensuring the insurance company pays the claim and all settlements as a result of civil court rulings.

There are two types of fault:

  • Negligence is careless and doing something unreasonable to cause harm.
  • Recklessness is knowingly doing something that causes harm.

This fault determination is a key factor in collecting compensation for injuries and damages as a result of the accident. In some states, no fault insurance policies pay damages for the listed policy holder's share or responsibility in the accident. Keep in mind no fault coverages have limits the insurance company will pay towards the injury or damage. If you are driving without insurance, you may be responsible for all of your damages no matter who is at fault, in addition to legal cost.

Additionally, you need to speak with an attorney because the State of Massachusetts requires all operating vehicles to be registered with the minimum limits of insurance coverage:

  • Bodily Injury
  • Personal Injury
  • Damages caused by an uninsured driver
  • Damages to another person's property

There are instances where a licensed driver does not own a personal vehicle, so there are no insurance coverage requirements. But if you drive someone else's vehicle, the vehicle's owner is required to have additional drivers listed on the policy. Normally, all drivers living under the same household are listed, even if they only drive the vehicle occasionally. Depending on the circumstances of the accident, the insurance company may not pay the claim for uninsured or unlisted drivers. The only exception to this listing regulation are permit drivers, the state does require a licensed drive is in the car.

Answered December 3, 2015 by TreyFevaa

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