Q: My friend was driving my car and I was asleep. He hit phone pole and ran. I walked home because I was scared what do I d
I don't have insurance and I'm scared. The cops came here but I hadn't made it home yet. I don't know what to do
If your friend had insurance, the accident is covered.
If your friend didn't have insurance, you gave your friend permission to drive your car, knowing that it was uninsured so you are responsible for all property damage and/or personal injury that resulted. Whether you were driving or your friend was driving is of no legal consequence. It was your car and your responsibility. If neither you nor your friend were covered by a valid automobile insurance policy on the date of the accident, you need to immediately contact the utility involved and offer to enter into a repayment program on terms that you can maintain. If you fail to do this, your driver's license will be subject to mandatory suspension, indefinitely. You should immediately contact a traffic attorney to discuss what they can do for you. FYI - when the occupants of a car flee a one-car accident, the police immediately assume that they fled because they were drunk and didn't want to be charged with driving under the influence. You need a capable traffic attorney.
In addition to a repayment agreement, your driver's license is subject to indefinite suspension until you purchase auto insurance to provide an SR-21 form (proof of financial responsibility) which is guaranteed to cost you considerably more now than it would have cost you if you had purchased it prior to the accident. You have every reason to be scared. The police aren't going away so you need to contact a local traffic attorney, ASAP. I wish I could be more positive.
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