What should I do if I got into an accident without insurance?

My car insurance was canceled two weeks ago, but I recently got into an accident. While I say it was the other driver's fault, he says it's mine. Now his insurance company wants to sue me. What do I do?

Answer
“Without berating you or rubbing salt in the wound, I say never drive without at least liability insurance in the future. The potential legal issues, financial impact, and stress aren’t worth the hassle.
But hindsight is 20/20. Since the accident has already happened, don’t dwell on it. Instead, focus on the issue at hand.
You’re going to be responsible for the entirety of the other driver’s damages. Don’t ignore this. If you wait, the insurance company will sue you, adding up to 70% to the amount owed.
Instead, call the other driver’s insurance company to see what you can work out. In some cases, you might be able to organize a payment plan that won’t ruin your finances.”
avatar
Eric Schad
Answered on Apr 13, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free