Comments on: I got into a car accident with a guy who didn't have physical possession of his insurance at the time?

By: Scouse

Scouse — Fri, 03 Apr 2009 08:16:59 +0000

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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By: zendall

zendall — Fri, 03 Apr 2009 07:33:59 +0000

Sorry, but he is required to HAVE insurance, but not to carry the information at all times.
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By: Dan B

Dan B — Fri, 03 Apr 2009 07:19:59 +0000

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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By: Infinity606

Infinity606 — Fri, 03 Apr 2009 06:46:59 +0000

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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By: Aggie

Aggie — Fri, 03 Apr 2009 06:06:59 +0000

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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