Q: What is the worst case scenario for a first time non insured accident that involved only the driver and our mailbox?
My husband is financing a car from carmax. He has not had insurance for a year so we have been using my truck. My truck was broken down the other night and my son needed medicine so my husband used his car. We never recieved a letter from SCDMV or carmax about the lack of insurance and his license is not suspended. When he came back from the store his brakes locked up and he hydroplaned into our mail box and the ditch in front of our house potentially totalling the car. He got it in the driveway before the front axle gave out. But nobody else was involved. He is terrified and does not know what to do now.
A:
First, he has in effect bought the car. Unless he wants to make a big deal in which case he can get the extra penalty.
Have it towed to a dealer or someone you would want to have fix it. Get an estimate. You'll have to pay so wait until you can pay.
Make your payments.
That's what CarMax cares about.
Thank goodness it wasn't someone elses' property.
If that happened on a highway he'd be sweating big time. Time to make friends with the bicyle until you both get insurance. Seriously. You hit someone without insurance, license suspended, you have to pay the other persons damages, your car is wrecked. You had a warning from the Deity. Gotta heed those type of warnings.
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