Uninsured car hit

UPDATED: Sep 30, 2022

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Uninsured car hit

My car was uninsured due to miscommunication with my exhusband and was hit by another car in a parking lot. Does the other insurance company have to pay for my repairs?

Asked on March 15, 2016 under Accident Law, Alaska


S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

Since you were not at fault in the accident, the at-fault party's insurance paid for the repairs to your car which would be the case whether or not you had insurance.
Since you are uninsured, you will have to inform the at-fault party's insurance company because they are holding up paying for the rental car unless you provide a letter from your nonexistent insurance company.
Being uninsured and not at fault in the accident does not affect your claim with the at-fault party's insurance; however, if that company informs the Dept. of Motor Vehicles that you were uninsured, the DMV might suspend your license until you provide proof of insurance.  The DMV might prevent you from renewing your vehicle registration until you provide proof of insurance.  The laws vary from state to state regarding the consequences of being uninsured, and your state may have other penalties imposed by the DMV for driving without insurance.  

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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