If you have been in a car accident but don’t have insurance, the consequences will depend on whether or not you live in a no-fault insurance state. In many instances, if you don’t carry mandatory car insurance, you could face penalties even if you did not cause the accident.
If you were injured in a car accident in a no-fault insurance state, you can seek compensation directly from your own car insurance. No-fault insurance is a type of car insurance coverage that helps pay for your medical bills if you’re injured in a car accident regardless of who caused the accident. This coverage is also known as personal injury protection (PIP) insurance. In addition, even if you are at fault for the accident, the other driver will not be able to name you as a defendant in a lawsuit and seek compensation directly from you unless the injuries are deemed “serious” or “significant” under the state’s threshold definition or the medical expenses exceed $20,000.
On the other hand, if your state does not follow a no-fault insurance policy and you cause a car accident where another person is injured, that person can sue you for injuries and damages including medical bills, lost wages, property damage, and physical and mental pain and suffering.
Penalties for Driving Without Car Insurance
If you are in a car accident and found to be driving without valid insurance, criminal or administrative penalties may be imposed on you including suspension or revocation of your driver’s license for a period of a few months to one year.
If you or someone you love has been injured in a car accident, the Reinken Law Firm can help. We have over 30 years of experience representing victims of car accidents. Our personal injury attorneys will make sure that your rights are protected and that you receive the compensation you deserve. Call us at 203-541-0090.