I live in CA, and was just in an accident yesterday and it was not my fault. I know it is wrong to drive without insurance but I was planning on reinstating my policy as soon as I got some extra money but times have been rough financially. I reinstated my policy that same day because I was scared with all these new laws about getting your lisence suspended for driving without insurance.
An elderly man was making a left turn as I was driving through the intersection and we collided. It was about 12:30pm on a Friday and the streets were pretty clear. There was just no way of avoiding him because by the time he decided to turn I was too close. Trust me, if I could have avoided him I would have because this is the last thing I need. He said I was going too fast, which I admit I was maybe going a bit over 45 in a 40mph zone. Still, it was clearly his fault.
I'm pretty sure the damages will be more than the value. I also have neck and shoulder pain. I went to the ER at a community hospital today to get evaluated and the MD said I had classic whiplash and gave me a referal to a PT. They also took X-Rays. Just that one visit totaled to over $700! I couldn't believe it!
This was my first accident and I did not take pictures at the scene, get witnesses, or file any report which I regret now that everyone has told me I shoud have. But from what I've been told its a pretty open and shut case simply by looking at the damages. I do have AAA and I had them tow my car from the scene, which was another charge I'd like to be covered on top of the physical and property damage. The other party already filed a claim and I was told that the adjuster from his insurance company will be contacting me Monday. Should I mention that I did not have insurance at the time of the accident or not? Also, do I need to hire a lawyer? And since I got my new policy after the accident even though it was on the same day, will they get involved? It's a small company that I signed up with through freeway insurance.