What to do if I got into car accident and don’t have insurance but it was other driver’s fault?

UPDATED: Sep 22, 2013

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What to do if I got into car accident and don’t have insurance but it was other driver’s fault?

Officer on the scene told me I was responsible for paying damages to both cars regardless of who was at fault because I didn’t have insurance is this true?

Asked on September 22, 2013 under Accident Law, California


Tricia Dwyer / Tricia Dwyer Esq & Associates PLLC

Answered 9 years ago | Contributor

Hello. In Minnesota, fault is definitely considered. It is critically important that you have insurance coverage in place before you get behind the wheel again. Know that generally: Some attorneys are available seven days for emergency legal needs. Many attorneys will speak initially at no charge. Then, if legal work is performed, some attorneys will provide a reduced fee for financial hardship. Some attorneys may also assist you in a limited scope manner to conserve legal costs. All the best.






Tricia Dwyer, Esq & Associates PLLC


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Anne Brady / Law Office of Anne Brady

Answered 9 years ago | Contributor

The police officer is wrong.  The at-fault driver is responsible for paying for damages.  If the at-fault driver had insurance, then his insurance will pay for the damages to your car.  It will also pay for damages to its insured's car if the at-fault driver had insurance to cover this.  You may have received a citation for driving without insurance, but you are not responsible to pay for damages if you are not at fault in the accident.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

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