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SamirAhmed

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How can you negotiate with car insurance agency after a wreck if you have no insurance to cover other driver?

How can you negotiate with car insurance agency after a wreck that was caused by you if you have no insurance to cover the other driver? Are there any legal ramifications?

949 day(s) ago

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kirand

Best Answer

Did you notice those last 3 answers were identical wording?

Anyways, I wasn't aware you could have auto insurance and not have some coverage for the other driver. I thought you could opt to have no coverage for your car and your injuries, but you had to have minimum coverage for the other driver's car and injuries to be on the road. So are you sure that they aren't covering the other driver, but not covering you?

Also, if you caused the accident, and the police report says so, your pretty much screwed. Unless you have a lot of witnesses to the accident saying it wasn't really your fault, you'll have to pick up the tab where your insurance left off. There is no negotiating when it's your fault.

949 day ago

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Other Answers (4)

KathySimons 		There's not much to negotiate. You owe the other driver, for their damage and bodily injuries, in full. Period. That insurance company will take you to court and garnish your wages. You can't "sette", for example, for $.50 on the dollar. "Settling" will come after they go to court and try to collect. It might take 4-5 years of them trying to garnish wages unsuccessfully, before they sell the debt off to a collection agency that will be willing to settle.

Posted 949 days ago

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BillGill 		If you are driving without any insurance at all, in many states you can be charged with an offense for that (in addition to the charge for causin the wreck).
There are plenty of legal ramifications here! The person who causes injury (to a person or to a person's property such as a car) is legally liable to "make things right." The injured person's insurance company will come after the liable person for any money they pay out. The injured person can also hire a lawyer and take the liable person to court for anything not covered by their own insurance company.

Posted 949 days ago

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TomMoody 		There's not much to negotiate. You owe the other driver, for their damage and bodily injuries, in full. Period. That insurance company will take you to court and garnish your wages. You can't "sette", for example, for $.50 on the dollar. "Settling" will come after they go to court and try to collect. It might take 4-5 years of them trying to garnish wages unsuccessfully, before they sell the debt off to a collection agency that will be willing to settle.

Posted 949 days ago

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JoeThomas 		There's not much to negotiate. You owe the other driver, for their damage and bodily injuries, in full. Period. That insurance company will take you to court and garnish your wages. You can't "sette", for example, for $.50 on the dollar. "Settling" will come after they go to court and try to collect. It might take 4-5 years of them trying to garnish wages unsuccessfully, before they sell the debt off to a collection agency that will be willing to settle.

Try this site, if you want to find your best or cheapest car insurance just in few minutes,

http://best-auto-insurance-usa.info/

Here you can get free quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company.

Hope this help,

Posted 949 days ago

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