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  1. #1
    Join Date
    Oct 2005
    Posts
    2

    Default Car accident with Garage insurance

    I was told by many dealers, when looking for a car to buy, I have a month to get car insurance. Well I bought a car and drove it of the lot with no car insurance a couple weeks later I got in a car accident. I was turning into a turning lane and a girl was speeding up to the light. At first no one new who's fault it was but her insurance company is now saying it's my fault and wants to talk to my insurance company. They also sent a letter stating if I didn't have insurance at the time then I could lose my license and have my tags revoked at DMV. Is this true? Do you always have to give your insurance info even though you're not at fault? Is there a law about giving up insurance information if your not at fault? What if you want to take care of it on your own with out your insurance involved? The bottom line is I called the car dealership that I bought my car phone, small lot, and the dealer said that I had garage insurance not insurance for a full month to drive on. I know this was a big mistake not to check, but now I could lose my license and I need help. Do I have to call this company and give them information about insurance when I'm still trying to fight that it wasn't my fault? Also is there any way that if this goes to court that they can bring up the fact that I had no insurance? Please advise! Thanks!

  2. #2
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default Getting Car Without Insurance

    I am surprised you were able to register your car without proof of insurance. I thought all states required that. The insurance company's statement probably reflects the fact that if you falsely claimed to have insurance at the time you registered the car, or they find out that you do not presently carry insurance as required by law, that could provide a basis for the revocation of your tags. In most states, if you are lucky enough not to be ticketed as uninsured at the time of the accident (or by mail when the police investigation is completed), it is unlikely that a ticket will be issued at a later date.

    There can certainly be consequences for not having insurance - which will vary depending upon the laws of the state where this occurred. If you don't provide the other person's insurance company with information about your (lack of) insurance, they will ultimately have to decide if they are going to pursue a claim against you or drop the matter.

    The fact that you were uninsured should not come into evidence in court; but it is hard to guess whether technically inadmissible evidence would end up being introduced if you try to defend yourself in court without the help of a lawyer.

  3. #3
    Join Date
    Oct 2005
    Posts
    2

    Default getting car w/out insurance

    I bought the car and was told told by the dealer to get the insurance info to him as soon as possible. I never asked how long I had because the whole time I was looking for a car each dealership told me I had a month to find insurance. I don't know if that is a CA law or what. Also no police officers came to the accident because no one was injured. There was no police report. In Ca you can only call the cops if someone was injured. I guess what I'm asking is do I have to tell the company that I had no insurance? And if I don't what could happen? Do they need to know my status of insurance? They want me to call with in 7 days to let them know and if I don't then they could submit an order for my drivers liscence to be revoked as well as my tags to DMV. The dealer sent me my tag in the mail. I don't know why I would need insurance to get the tags when he sent them to me. Could you tell me why that happened and also let me know what you think about me giving my info to this company with in 7 days?

  4. #4
    Join Date
    Sep 2005
    Location
    Behind a Desk
    Posts
    98,846

    Default

    If you don't provide the other person's insurance company with information about your (lack of) insurance, they will ultimately have to decide if they are going to pursue a claim against you or drop the matter.

  5. #5
    Join Date
    Aug 2005
    Location
    Los Banos, CA
    Posts
    27

    Default Re: getting car w/out insurance

    Quote Quoting slancaster
    I don't know if that is a CA law or what. Also no police officers came to the accident because no one was injured. There was no police report. In Ca you can only call the cops if someone was injured.
    That is not true about California. You can call the police for any accident that occurs and they will show up to make a report of the incident. I have been in two accidents, for both, no one was injured, I was not at fault. For the first accident, I made the call to the local police through 411, and within 2 minutes, an officer was there writing the report. For the second, an officer heard the rear-end from down the street and came speeding through to file the report for us.

    Did you call the police and tell them you were in an auto collision and you needed an officer to come and handle the incident, or did you assume and not make the call?

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