Driving without car insurance in almost all states is illegal. Now you might have a reason that you don’t have coverage. Your insurer dropped you and you were still shopping for a new policy. Or you might have missed a payment and were canceled and you didn’t know. Whatever the reason, there is a chance you were driving without car insurance. So how can you get your car fixed if you were involved in an accident?
You were at fault in an accident
If you were at fault in an accident and you don’t have car insurance, you could be in a lot of financial trouble. You are liable for paying any injuries and damages that were caused to the other driver. While the other driver might have uninsured motorist coverage and their insurance will cover their damages, that doesn’t prevent them from suing you.
You will also have to pay for your vehicles repairs out of pocket.
You are not at fault in an accident
If someone else caused the accident and you were not at fault, then you have a better chance of getting your care repaired. But the state does have the ability to place limitations on what you can get from the driver and their insurance company.
If you live in New Hampshire
New Hampshire doesn’t require drivers to have insurance coverage, unless you have a prior accident or a conviction. If you are involved in an accident where you have no insurance, but not at fault, the other motorist if financially responsible. They must pay to repair your car and any injuries.
If you were at fault, you are responsible for all financial damages. And if the damages exceed $1,000 dollars, then you could have your license and registration privileges suspended by the state.
What if I add insurance after my accident?
If you get into an accident today and don’t have coverage, buying insurance the next day will not help. The coverage will begin the day after and not cover your accident. Even if you get smart and try buying minutes after, insurance company will not cover prior accidents. You are also committing insurance fraud and the insurance companies will find out.