Q: If the person is listed as at fault on the report but i had no insurance is she still liable to pay 500 towards my car?
I got into a car accident on June 15 2020. I was leaving from my credit union. I was there to inquire about the discounted auto insurance that they offered. I didn't qualify So I was going to go home get some over the phone. As i was trying to leave out of a one way exit this young lady pulls up trying to get into the one way and hits me. when the police arrived and she gets out the car i noticed she works there. My 3 young daughters was in the car with me. no one seems hurt at first. The police officer told her she would be listed on the accident report as at fault because she tried to turn into a one way. I at the time had no insurance but she did. After the accident I took my daughters and myself to the hospital and it was then i started to have back and neck pain. Since i didn't have insurance i knew i couldn't sue. However i was told rather i had insurance or not since she was at fault she still was liable to pay $500 towards damages to my truck Is this true & Is it too late now?
A: I don't believe that's true. What you are referring to is often called the "mini-tort" statute. It requires you to have insurance, as it's intended to reimburse you for your deductible.
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