Q: I was in an accident and not at fault. When I called my insurance I found out it had lapsed. Am I liable to the driver
I immediately changed insurance companies since the one I had could not send me information on the lapse nor would they answer the phone. Thank you for your help. I do plan on telling police about the lapse and I'm certain I will be in a lot of trouble.
A: If you were not at fault, you should not have to pay for anything. You should be able to collect on the damage to your car from the at-fault driver. You might have to pay for your own car if the other driver was uninsured or underinsured. The police may charge you for failing to have insurance, but that is a separate matter and easily remedied by getting insurance and providing proof to the court and possibly paying a fine.
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