Car Accident without Insurance

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Car Accident without Insurance

Most states require you to carry car insurance if you have a car. Some will even impose severe penalties if you are involved in a car accident and do not have auto insurance.

"No-Fault" Auto Insurance States

Twelve states impose a no-fault law when drivers are involved in a car accident. In those states, the injured driver will be responsible for his own injuries. But in some rare circumstances, where the injuries are deemed serious, then the injured driver may file a claim against the other driver.

The no-fault auto insurance states include: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

Other States

For the other states, the driver will be held responsible if he caused the accident and if the other driver was injured as a result of the accident. The driver will be responsible for injuries to the car, injuries to the person, medical bills, and pain and suffering damages.

If you carry car insurance, then the car insurance will most likely cover those costs minus your deductible. But if you do not have car insurance, then the injured may sue you and force you to pay out-of-pocket.

Penalties for Not Carrying Car Insurance

Lastly, if you do not carry car insurance, the Department of Motor Vehicles may fine you heavily, suspend your license, or even revoke your license.

Consulting an Attorney

Being sued for a car accident and not carrying car insurance may result in hefty judgments. It is best to consult a personal injury lawyer to protect your assets and to limit your liability.

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Last Modified: 10-30-2014 04:48 PM PDT

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