What happens if I’m sued for causing a car accident and I don’t have auto insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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You need to personally arrange for the defense of any lawsuits against you. This usually involves hiring an experienced car accident attorney who can advise and defend you in court. You will have to pay the attorney’s fees and other court related costs, even if you ultimately are found not to be legally responsible for the auto accident.

If you are found to be liable for damages, a judgment will be entered against you by the court for a specific sum of money. If the injuries are severe or the damages are extreme, the judgment could be a very large sum of money, potentially hundreds of thousands of dollars. If you fail to pay or are unable to pay the full amount of the judgment, the winning party may sue to collect from you. If you don’t have car insurance, now is the time to protect yourself and buy an auto insurance policy.

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