What to do as an uninsured driver who had an accident?

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What to do as an uninsured driver who had an accident?

I’m 19 years old and I was cited as failing to yield at a left turn. I recently found out that I was not covered under my mom’s insurance so I won’t be receiving any help from the insurance company. I need help on the course of

action I should take knowing these facts?

Asked on June 20, 2019 under Accident Law, Ohio

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

If not covered under your mother's insurance policy, you need to pay for your own car damage yourself and if sued by another person, will have to pay any amounts they win in court from you out of your own pocket. Since you were cited for failing to yield, assume that if you are sued, you will lose--you will be found to have been driving negligently (carelessly) and at fault. Therefore, if sued, you may wish to try to settle the case for either a lesser amount or with a payment plan over time; that is, something you can afford. A settlement is voluntary for both sides, so there is no guaranty you'd be able to settle, but tying would likely be your best option, since if sued and the other side wins, you'd have to pay them the full amount at once. 
If sued for a truly unpayable amount--tens or hundreds of thousands of dollars (e.g. if another person was injured)--filing for bankruptcy would be a viable option.


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