I have his insurance information now, (guess he left it at home? lol), but i mean, isn't that against the law to drive without the insurance forms?
The accident was my fault. I'm looking for ways to somewhat assuage the situation here. Since I'm just 18, I predict my premium to skyrocket. Any appellate law people here that can help my predicament?
The accident occurred in Los Angeles, CA, USA. The police didn't show up at the time of the accident. 4 people involved, the 2 drivers (myself included) and one passenger in each car (both under 18)
I've been driving for 2 years now. Got in my first accident Feb 2009 (was not my fault and a file was claimed with my insurance and the other party's).
i do have auto insurance to cover the damage of both cars. but my premium is sure to skyrocket : (
Whether he was carrying his insurance card or not doesn't matter since you were at fault. If you would have called the police you would have gotten the ticket and even if the cop gave him one all he would have to do is send proof with the ticket and pay a small fine. Your premium will go up, hard to say by how much. You could be cancelled if you file too many claims regardless of whether you are at fault or not. Just try to get through this claims process and go on with your life. I mean we carry insurance for a reason – so mark it up as an accident and move on. Good luck to you!
#1 by Aggie on April 3rd, 2009
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Whether he was carrying his insurance card or not doesn't matter since you were at fault. If you would have called the police you would have gotten the ticket and even if the cop gave him one all he would have to do is send proof with the ticket and pay a small fine. Your premium will go up, hard to say by how much. You could be cancelled if you file too many claims regardless of whether you are at fault or not. Just try to get through this claims process and go on with your life. I mean we carry insurance for a reason – so mark it up as an accident and move on. Good luck to you!
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#2 by Infinity606 on April 3rd, 2009
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I'm not sure about CA, to be specific, however, my understanding is that it is not illegal to not have the forms in your vehicle at the time. It's just not smart since you will still get a ticket until you prove that you actually have insurance.
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#3 by Dan B on April 3rd, 2009
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In most states, you are required, by law, to carry proof of insurance at all times you are driving. My guess is he didn't have any insurance at all.
NEVER admit to fault. Let the police decide.
Notify your insurance company, but without a police report, I wouldn't be surprised if you didn't hear anything. Your insurance carrier will want to see a police report from the other driver to be sure it isn't a fraudulent claim.
Did you have collision insurance – so it may pay for damage to your car?
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#4 by zendall on April 3rd, 2009
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Sorry, but he is required to HAVE insurance, but not to carry the information at all times.
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#5 by Scouse on April 3rd, 2009
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In UK the thing that matters is: was he insured. I never carry my insurance details and I rarely carry my driving licence
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