I had a wreck with a man that did not have a license and was not on the auto insurance.
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I had an accident the other day pulling out of a shopping center. I was turning left and like I’ve always done (and you’re suppose to do), looked left, looked right, looked back left before I pulled out. The coast was clear both ways BUT on my right I did see a person coming but he was in the straight lane, not the center turning lane (the lane I was going to get in to turn on the road ahead). He switched lanes as I was pulling out and turned in front of me causing me to hit him because I never saw him get in that lane or turn. We pulled over and waited for the cop to arrive. He didn’t tell me, but he did not have a license and was not on the auto insurance. It was his wife’s car and all in her name. What I’ve always heard was that whether your at fault or not, it automatically gets put on the other person if they do not have a license to drive. I have full coverage insurance through USAA. Also, I didn’t receive the information of the cars insurance or owner information. Will this be in the police report?”
Asked May 22, 2017
1 Answer
If you were involved in a car accident with a person who did not have a driver's license or was not on the auto insurance policy, there are several things that you should know. Firstly, it is illegal to drive without a valid driver's license and auto insurance. If the other driver did not have a valid driver's license, they could be held responsible for any damages or injuries resulting from the accident. If they were driving without auto insurance, you may have to rely on your own insurance to cover the damages, depending on the specific terms of your policy. If you have uninsured motorist coverage, this type of insurance may help cover the damages caused by an uninsured or underinsured driver. However, you will need to review your policy to understand the specific terms and limits of your uninsured motorist coverage. If you do not have uninsured motorist coverage, you may need to pursue legal action against the driver who caused the accident to recover the damages. This can involve filing a lawsuit in court or working with an attorney to negotiate a settlement with the other driver or their insurance company. It's important to gather as much information as possible at the scene of the accident, such as the other driver's name, contact information, and driver's license number. You should also take photos of the damage to both vehicles and any injuries sustained. Finally, it's a good idea to contact your insurance company as soon as possible to report the accident and provide them with all the relevant information. They can help guide you through the claims process and advise you on your options for recovering the damages.
Answered May 23, 2017 by JDouglas