What Happens If I Get Into a Car Accident Out of State?
The most important car insurance coverage that this applies to is your liability minimums that are different in almost every state. Say you are traveling from your home where the minimum requirements are 10/20/10 for BIPD (Bodily Injury Property Damage) coverage. You arrive to vacation in a state that requires 25/50/25 coverage and you have an accident with another vehicle. For this accident your liability limits will match the state requirement of 25/50/25. This is not a permanent change, just for the time you are in the state.
In An Accident But Didn’t Get Any Insurance Information. What’s Next?
I was on the passenger seat, my sister was driving to the gas station when the other car backed up on us (really fast like it was on purpose, she was driving and old Honda car). She said she doesn’t have her insurance with her and told us to follow her to her house which we refused to do. They only put hot water on the dent on the bumper and insisted that it should be fine and just wanted to go. We didn’t call the police (it was the first that it happened to us so we didn’t know what to do). The following day we went to the police station to file a report but they said to just call our insurance company because it was not a “hit and run” incident. The person who hit our car still making excuses not to give us her insurance information, so we only have her driver’s license info, her plate number and phone number. We also just noticed a crack near the airconditioner part of the car. We did went to the nearest office of our insurance company but they just gave us a number to call for the claim. It feels like its just going on a loop and no one really is helping us, what should be the best thing to do?
What Should You Do If You Can’t Afford To Pay Your Car Insurance Bill?
Your post is not entirely clear, but I’m going to assume you mean that you didn’t pay the insurance while you were gone and the policy lapsed. Insurers will generally allow a grace period of 10-30 days after the due date to submit your payment and avoid cancellation of the policy. If the policy does lapse / cancel, then it’s at their discretion (underwriting review) whether to renew your coverage or not, at which point you would have to pay for the back-premiums owed. If you allow your insurance to cancel / lapse then it could be difficult and much more expensive to become insured again. States law differ, Texas requires drivers to carry liability insurance. Your insurer may have notified the state when the policy canceled and the state may freeze your registration, preventing you from renewing it, until you provide proof of active coverage. If you are caught driving without insurance, you could face stiff penalties, in addition to the risk you’d be taking and creating for other drivers.
A Friend Wrecked Your Car - Now what?
“You might not think to ask to see a friend’s license or ask where he’s going, but as a car owner you are expected to take reasonable care,” says Des Toups, managing editor of Insurance.com. “You’re the one who could get a ticket for allowing an unlicensed driver behind the wheel. Your car could be impounded or seized for good in a drug bust.”
What Happens If You Have a Car Accident & Have No Insurance?
A graduate of Oberlin College, Fraser Sherman began writing in 1981. Since then he's researched and written newspaper and magazine stories on city government, court cases, business, real estate and finance, the uses of new technologies and film history. Sherman has worked for more than a decade as a newspaper reporter, and his magazine articles have been published in "Newsweek," "Air & Space," "Backpacker" and "Boys' Life." Sherman is also the author of three film reference books, with a fourth currently under way.
Disclaimer: AutoInsurance.org strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage.
What happens if you get into an accident during a test drive?
I’ve just had a similar experience, Mary. Only I actually was encouraged by the man to drive his unlicensed and uninsured high powered scooter. I denied because I really just want a low powered scooter to drive around town. He again encouraged me to drive it but again warned me of the “power” and lack of license and insurance. Like an idiot, I said ok and got on the scooter. I turned the throttle, literally took off so fast I had no control! I went across the street and wiped out in a neighbors yard. Thank goodness there wasn’t anything there to smash into. I only ended up with bruises and an ankle sprain. NOW, he is making me take all of the blame and wanting my insurance company to pay him. In fact, he made the statement that I likely totaled it. I’ve filed a claim and if my insurance approves it I’ll be responsible for my 500$ deductible. I feel I was placed in a situation I didn’t understand (the power of the bike….holy cow! And, how do I know there wasn’t something wrong with it in the first place!) Of course, it was my stupid decision to drive it but I do not believe I am totally to blame. Does anyone have any advice or answer to this issue? I would sure appreciate it!
If I Get Into An Accident, Will My Car Insurance Policy be Cancelled?
Usually, this happens if, following your accident, you no longer fall within the target demographic of the company offering insurance. Auto insurers want to offer insurance policies to drivers that they think will be safe on the roads because they will be better investments. For an insurance company, the ideal scenario is that you take out insurance, pay them a monthly premium, but then never actually claim on the policy. That then means they’ve received money for nothing (except providing you peace of mind).