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What happens if I am in an auto accident and the other party does not have insurance-I don't have collision insurance on my auto insurance?
Wiki User
∙ 13y ago
If you had no collision coverage at the time of the collision, you cannot get it after the fact in order for the insurer to pay for repairs.
If the at-fault driver had no liability insurance, your only remedy would be to sue him/her for the cost of repair and whatever other out of pocket expenses you incurred; these may include the reasonable cost of renting a vehicle while yours was being repaired.
If your vehicle was totalled, your lawsuit against the at-fault party would be for the actual cash value of your vehicle as of the time of the collision, plus other out of pocket expenses that you may have incurred as discussed above.
In all events, it will be your burden to prove negligence on the part of the other party in order to prevail. Additionally, you will need to prove the nature and extent of your damages by means of an "expert witness", such as the auto body facility's representative who examined and wrote the estimate for repairs. It is not sufficient merely to present the written estimate, as the opposing party must be given the right to challenge its validity by cross-examining the person who prepared it.
Wiki User
∙ 13y ago
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Does Illinois offer collision car insurance?
Illinois, like any other state in the Unites States, does of course offer collision car insurance, since this is a very typical accident that happens daily.
What happens if you get into a car accident and then later on get car insurance?
they still will not give you money for the car accident and because of the accident they will most likely charge you a higher fee for being considered an unsafe driver.Added: There is no such thing as retroactive insurance. A policy you get today will not cover you for a collision you had last week.
What happens if an accident is your fault and you have have insurance?
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
What happens if you had been in an accident and it was considered 5050 because there was no way to prove who was at fault but you had only comprehensive and collision and no liability insurance?
Both insurance companies will pay for their own, depending on your policy coverage.
What happens if your car gets totaled by another driver in collision accident?
You get the Traffic Collision Report. You find out who was at fault. You get the other driver's insurance information. You file a claim with his insurance company. Using an attorney to represent you helps to avoid you suffering through the process yourself.
What happens if someone gets in a car accident not with another car?
Its considered a collision loss. If you have Collision coverage your car would be repaired less your deductible. Your insurance carrier will also pay for property damage you may have caused in the collision. If the collision is with a animal it could be considered a comprehensive loss.
What happens if you in an accident and you have expire license and no insurance?
no insurance + jail
What happens when your in a accident in Michigan with no insurance?
you die
What happens when you have insurance at the time of an accident and then it gets cancelled does the insurance still cover the accident?
Yes it does. The cancellation of an insurance policy is not retroactive.
What happens if your in a accident and you have sr22?
The same thing that happens if you did not have an Sr22. The at fault parties insurance generally pays for the accident.
Who covers an accident when it happens in your driveway homeowners or auto insurance?
Auto insurance.
What happens if accident is your fault?
Well Someone will sue you and the insurance will do something about it!
