Westville, IN asked in Bankruptcy and Car Accidents for Indiana

Q: First I am a disabled man that was just in an accident w/o insurance and at fault on 2/19/21(3 days before my birthday)

I'm also htv from dui's. This is the fourth time caught w/o insurance. I've already called down state to see what with them is going to happen with my license. 1 year suspension, 3 years Sr 22 insurance, and a $1000 reinstatement fee unless the judge does something else. I'm not required to go to court if I pay the $167 ticket. I'm the only one in my trailer that had a license. So not sure if I can get a hardship license as I babysit my nephew I'm going to need to drive if possible. Like I said I'm disabled and on a fixed income. I just got a letter from the gentleman I hit insurance company. I did call them and informed them that I didn't have insurance. On a side note

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2 Lawyer Answers
Timothy Denison
Timothy Denison
  • Bankruptcy Lawyer
  • Louisville, KY

A: What is your question?

Charles Candiano
Charles Candiano
  • Personal Injury Lawyer
  • Chicago, IL
  • Licensed in Indiana

A: At present, you have no real options. Telling the Court that you are on a fixed income and disabled only gives the Court two more reasons why there is no compelling reason to give you a special privileges license. You will eventually need to file for Bankruptcy protection once the insurance claim is processed and you know the amount. That must be done AND insurance needs to be purchased BEFORE you could be eligible for a hardship license. Given your driving record, you can expect insurance premiums to be astronomical, even for minimum coverage. Because you are already an HTV, be sure that you were not charged with a Misdemeanor. Moreover, you may subject to a 10-year suspension, depending upon the timing of your offenses.

Seek assistance from a legal aid clinic BEFORE you do anything. The BMV may not be able to give you accurate information given that this is still before the Court and they don't have all of the information.

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