So I'm on the highway, and of course theres an accident, and everyones RUBERNECKING slowing down traffic, and I see everyone braking. So of course I break, but the guy in front of slams on his breaks, immediately I do the same, but the guy behind me is caught off guard, and rear ends me.......his car is of course smashed in, hood bent, radiator caved in, bumper all messed up. My rear bumper is somewhat destroyed, the lip part ripped off, and the bumper itself needs to be replaced So I got the police report, and we'll see what happens, but the problem I have here is......my insurance expired. I missed two payments, and they dropped my coverage, and I've been trying to scramble up enough money to pay the re-activation fees, and 2 months I missed which is over $1000 for me right now. Am I screwed because of this or will his insurance still take care of my bumper???

 

Nope the insurance will not cover it. That sucks dude

 

You may be doubly screwed unless your car's paid off. You were not insured at the time of the accident, so I don't know. Normally you'd submit to your insurance who would go after their insurance.

If you're still financing your car and the bank catches wind (and they will), you're going to have to bring the insurance current immediately or repo depot will be picking up the car.

 

yea, you're pretty screwed. let it be a lesson. next time if you don't have insurance, don't drive the car. the bank or whoever the loan is through is going to be pissed, because technically it's their car still. and you won't get any help for the repairs either.

with my bank, if you don't have insurance, they add their own insurance to your monthly payment, which is crazy expensive. and if you can't pay it, they take the car.

 

Damn that suxs, I'm doing my best to bring my insurance back up to current, and yea I'm making payments to my bank right now.

 

Assuming the person who rear ended you has valid coverage, and assuming he isn't fighting liability, his insurance should cover your loss. Did you get his insurance information at the scene or did you leave that to the police? The odds are good that he's already reported it and they are waiting for a police report so they know where to contact you.

 

Did you get charged for driving with no insurance? If so, the fact you were driving without insurace will fk you with no vaseline when it comes to getting re insured. Thats a major fk up bro up here with no fault insurance. You realize how serious this is, so I wont get into that. Next to my mortage payment, my insurance is next... You're credit has taken probably a hit too for being post 60. So if you go to youre bank to secure financing to fix this they will show you the door.

Really sorry to hear the news. Hopefully you're insurance regulations are easier down there cause up here I know for a fact if you get an accident on you're record, you're hooped, get into and accident and get charged with driving without insurance and you get a **** huge fine and your payments for insurance are absolutely pathetic. I hope you have a clean record, its you're only hope here.

Good luck bro. Shiaat... ' Just thank god you dont have no fault insurance down there... Lets just hope he doesnt try to sue for health problems and stuff. Man, you could be royally hooped for a long time if you did that up here.

 

NH insurance isnt a law cant wait to drop my cobalt insurance. as its barley driven.

 

You can drive on public roads with expired insurnace down there? Im moving. So, you can plate a vehicle with no insurace? Remind me to never go there...

Canada is HUGE on insurance. You get pulled over with no insurance here at its a minimum 750$ fine, they tow you're car on the spot, you pay an impound fee etc etc and you'll never have a good rate again... marxist I know, but dont fight the system.

 

the second they find out he was uninsured, they'll do whatever they can to not pay out. insurance companies don't like to pay claims, and if there's a way that him not having insurance can allow them not to pay, they'll find it.

same here. if you get pulled over with no insurance, car is impounded on the spot. even if you have insurance, but left your card at home, they take the car if you don't have valid proof in the glove box.

 

Your lucky in Texas the police would have towed your car.

 

Get the insurance current PRONTO. You've already missed 2 months, some banks consider 3 months unpaid to indicate that you have no intention of insuring the car and they'll start to bill you. They will bill you retroactively for their insurance as well. If you doing bring it current right away, they'll start the repossession process.

Also don't under insure your car. Financed cars are usually required to carry $500 or less deductable. I don't know what the other requirements are.

 

It is if you want to have it out on the road. You cant drive a car on a public highway withouth it. Didn't think that sounded right. In NH you can even take a huge fine for not having in youre car..... Says nothing about a 24hr grace period like up here. Sounds worse actually... What am I missing here? You live there you should know best.


Read up on section 264 of youre traffic code... Sounds like you can be charged under 264:20 of the criminal code.. No sure what the penalty is. But if you dont have insurance (im including liability in here) how do you pay for the damages of another party's vehicle or med bills? Out of pocket? I think the insurance payments are the better option..

http://public.findlaw.com/traffic-ti...affic-law.html

264:20 Amount of Proof of Financial Responsibility (INSURANCE). – Proof of financial responsibility shall mean proof of ability to respond in damages for any liability thereafter incurred, as a result of accidents which occur in New Hampshire, arising out of the ownership, maintenance, control, or use of a motor vehicle, trailer, or semi-trailer in the amount of $25,000 because of bodily injury or death to any one person; and subject to said limit respecting one person, in the amount of $50,000 because of bodily injury to or death to 2 or more persons in any one accident, and in the amount of $25,000 because of injury to and destruction of property in any one accident. Whenever required under this chapter such proof in such amounts shall be furnished for each motor vehicle, trailer or semi-trailer registered by such person.
Source. 1937, 161:20. 1941, 198:3. RL 122:19. RSA 268:19. 1955, 76:3. 1969, 316:4. 1971, 456:4. 1981, 507:4; 146:1; 507:8, eff. Jan. 1, 1982, at 12:01 a.m.

 

Absolutely not true. What people don't understand about insurance is that you don't actually have a claim against the insurance company, you have a claim against the person who hit you. The person who hit you has a legally binding contract to defend them should they commit a tortious act under the terms of their policy. Whether or not you have insurance has nothing at all to do with the other parties insurance defending them. If the person who hit you agrees they are at fault, then their insurance will start taking the steps to negotiate a settlement with you. And yes, everything- including repairing your car, is part of a negotiated settlement. Delaying efforts to negotiate a settlement is bad business and few companies make a conscious effort to delay a settlement.

The reason they don't want to delay is because they are legally obligated by the state to reserve money for every accident. What that means is that as soon as an accident is reported, they estimate how much the loss will cost them and that money goes into a reserving account that is subject to audit by the department of insurance. Think of it like escrow. So basically, as soon as they know there was an accident that they are at fault for- they've already lost that money, they actually want that liability off their books. When things take a long time, it's usually because: a)the person who hit you disagrees with liability, b)they are having difficulties with the shop or parts, or c) the person who was hit disagrees with their settlement.

I've been in the insurance industry for 9 years now. *edit* if the insurance company is looking for ways not to pay do to you not having insurance, it will be on the injury portion. That's because there are a few states with no-fault injury laws and a few with 'pay to play' laws where you can't make a claim for "pain and suffering" if you do not carry insurance.

 

It may very from state to state, but in a lot of states and I would figure most, your lender won't repo your car they will add there own insurance like stated above and charge you a **** load for it tangled up in your car note. So instead of paying $300 a month you would then pay $600+ for example. There is nothing you can do about that ether because when you bought the car you signed a paper saying you will insure it or else, well that is your or else. Really don't drive with out insurance if not for you, do it for me and every other person on the road. the penalty for hitting me with out insurance is a lot higher than what your insurance will charge you. Theirs generally don't involve vigilance, mine does.

I couldn't have said it better my self, I concur.

 

Sounds pretty fair. Up here we get screwed with no fault insurance. Do you know much about it? I'll be honest, this stuff makes be sleepy.....I just pay and keep my nose out of trouble.... Whats the benefit of having no fault insurance if the above sounds so common sense?

Also, if you are looking to insure a potential driver, and you pull up his convictions and you see that he's been convicted of driving with no insurance, do you guys care at all? Up here it's the kiss of death as far as rates are concerns. Add a careless driving to that and you're done. Add an impared to that and you will never drive again. We have marxist traffice laws up here in Ontario and our provinical police chief, Julian Fantino, is a fk'in toolbag.

Maybe I will move back to the US

 

Some do some don't. It depends on how long it's been uninsured when they find out about it. GMAC does both. MOST of the time they'll go for the billing option because, duh, more money for them. And they WILL collect premiums retroactively from the date the car became un- or under-insured.

I can think of 5 cases at least where GMAC has just taken the car back, but most were 6+ months of uninsured. Now, if you have other strikes against you like late payment or non payment, as soon as it hits that you aren't carrying insurance that pretty much automatically tags the car for repo.

Keep in mind repo doesn't always mean the car's gone forever. Some banks will repo right away to insure that you don't continue to drive the vehicle while it is uninsured. If it's a short lapse, they'll usually let you negotiate to where you pay back insurance and show proof of a current policy and you can get the car back. Actually a lot of places are more strict on uninsured cars than they are on late and non-payments. It varies lender to lender.

 

I got rear ended a few weeks ago. I was all smiles.

I got a GT500 rear bumper, 4.10 Gears and a new paint job removing all my scratches and door dings. LOL! It was a win/win for me.

 

Wow that's a good deal.

 

No fault insurance varies alot from state to state. The state I'm most familiar with is Utah so I'll use that, but it can change other places. No fault usually only applies to injuries. The intent was to reduce the total number of court transactions and free up the legal system. The legislature basically picks an arbitrary dollar figure ($3000 in this example) and they say that any injury that incurs medical bills less than $3000 is not eligible for a pain and suffering claim. Everybody goes to their own insurance to pick up the bills up to that $3000 making it 'no fault'. The net effect of this though is that it drives costs HIGHER overall because people just make sure they get $3000 worth of treatment even if they didn't need it. You can audit it to some degree, but $3000 is really easy to ring up. So basically what would have been $1000 in med bills plus $1000 in pain in suffering is now $3001 in med bills and $1000 in pain and suffering.

Driving with gaps in your insurance coverage is very bad for rates. When I used to work at a commercial carrier that was figured into your rates heavily. The laws vary from state to state, but in my State (Idaho) if you have a serious offense like a DUI or a moderate offense paired with a lapse in coverage - the state requires you to get an SR22. This is over-simplifying it- but SR22s are divided up amongst the carriers. Every carrier has to take some based on their size and then that carrier cannot cancel you unless you specifically break your contract with the carrier by not paying or fraud. If you have an SR22 and you get cancelled, you can expect to lose your license for some time. So to answer your question- yes insurance companies care.

Hope that helps .

 

Ahh, must be very different here. Cause if you get hurt in a traffic accident and go to the hospital, it's free like anything else with our healthcare. I couldnt imagine not being able to go to the hospital because I didn't have the coin.

. But up here if you get a serious illness, just walk into any hospital with you're health card and everything is free. My prescriptions are even covered 100% with my componies insurance. Thanks for the reply though. Pain and suffering is the same deal, since our health care coveres all angles in a situation like that, there would be nothing to sue over.

You're pretty much the same as us hosers when it comes to insurance gaps tho

 

dood really he hit you your insured or not he pays for your damages its common sense. you should of been fined for not having ins. if i was you you should ask your parents or something and totally explain the situation your in and say you dont have ins. if they care bout you trust me you'll get a whole bunch of Lip from them but at least your ass will be saved. doesn't matter how old you are. parents should always take you under there wing unless your a druggie ******* than its obvious why not lol. start asking your friends though, girlfriend. be like i owe this much to bring my ins current. etc... be a hustler for a week i BET you can come up with the money.

 

so 2 months behind is 1000 bucks? so your paying 500 a month? for a total of 6k a year?

 

You don't have to have insurance in nh if you own the car out right. only required to have it if you have a lean on the car in the state of nh.
But..... in the event of an at fault accident you get seriously raped b/c the state will require you to have a sr22 insurance to have a licence from that point on for a min of 3-5 years. this happened to my cusin.

Needless to say my ss has maximum full coverage that is available and my coverage also covers aftermarket parts as long as I have a receit for them and proof that they where on the car. Don't have any aftermarket yet but my truck i had befor had a hell of alot of money into it and i just kept the same coverage when i switched. needless to say my insurance agent that i go through is the ****.

 

dood they wanted to charge me 415 full coverage for my balt. i was like HAH hey mom can i join your ins and have the car in your name? Suree. awesome... 150 a month YES!