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  1. #1
    Join Date
    Nov 2011
    Posts
    2

    Exclamation Not at Fault, No Insurance Car Accident

    My question involves insurance law for the state of: Mississippi

    My husband was driving my car, with a suspended license, no insurance. We did not renew the insurance knowing we would be trading it in. Husband was driving because I am pregnant and high risk, so Dr. said no driving. The accident was not his fault, another driver t-boned him in the right front passenger side (per police officer on the scene.) The at fault driver has insurance.
    My question is will the other driver's insurance cover our car? My husband did go to the ER to be checked out, but we are mainly worried about the car, not the medical bills. The dealership said our retail value on our car was 13,000 on my 2008 Honda Accord. I don't know if that makes a difference.
    I just don't know what to expect, having never been in an accident before.
    Thank you for any help/advice.

  2. #2
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Not at Fault, No Insurance Car Accident

    their insurance should cover your car as long as it is as simple as you suggest BUT since you do not have an insurance company to advocate for you, you are on your own should they attempt to refuse to pay or delay payment for whatever reason.

  3. #3
    Join Date
    Nov 2011
    Posts
    2

    Default Re: Not at Fault, No Insurance Car Accident

    Thank you. We plan on acquiring a lawyer to advocate for us, but with it being a holiday weekend, it won't happen till Monday.

    One more question: Everyone is advising us to sue for pain/ suffering, but I don't want to push my luck, so to say. I feel grateful that our car might even be covered, let alone medical bills. Should we look into it, since we are getting a lawyer anyways?

  4. #4
    Join Date
    Jan 2006
    Posts
    38,867

    Default Re: Not at Fault, No Insurance Car Accident

    You should consider making a claim for any and all damages you have incurred.

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