There was no police report filed. The other driver admits they’re at-fault.

  1. 2777 POINTS
    Terry A. McCarthy, CLU, ChFC
    President, Insurance Associates Agency Inc., West Chester, OH
    There is no guarantee that the absence of insurance will not come back as an issue. However, if you are in a tort law state you are entitled to be made whole for your loss regardless of your insurance status. In most instances your insurance shouldn't come up if the other driver is not contesting the facts.
    Answered on February 1, 2015
  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    There are two issues here. First, you state that you do not have car insurance yet were driving. I can only assume that the car you were driving is your own, registered to you. In a state like Connecticut, where it is required by law to carry car insurance in order to register and drive a car on public roads and highways, if a police officer was on the scene, you would have been issued a ticket. and possibly would have had your car towed.
    The second issue is that you wer hit by another car. That person, in the absense of any other details, would probably be held at fault for the accident and therefore their insurance company would pay for the damage repair to your car.
    Answered on February 3, 2015
  3. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    This is an interesting question! It sounds as if there was no Officer present at the accident scene? Because if there was, you'd have already found the trouble that you're trying to avoid. I'm not sure where you live, and they might not be able to charge you after the fact, but they might, and they can certainly pay more attention to you if they learn that you are willing to break the law and drive uninsured. So if there was no Officer, and you had no insurance information to exchange at the accident scene, you are really in kind of a 'he said she said' position. Can you prove the other driver hit you if you try to get their company to pay? They should pay, if the other driver was at fault and admits their liability, but if they don't, you may have trouble collecting from them. Bottom line? If you'd been obeying the law and were insured, you'd have no trouble collecting. As it is, you'll have your work cut out for you. Good luck, and thanks for asking.
    Answered on February 7, 2015
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