Chicago, IL asked in Car Accidents for Illinois

Q: If i didn’t have any car insurance and the insurance of other party asking for it

I was involved in a car accident and it was my fault for not being in the correct turning lane first car and first accident i didn’t have any insurance due to stability issues but now the other party is asking me for insurance or they will take legal actions

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1 Lawyer Answer
Charles Candiano
Charles Candiano
  • Personal Injury Lawyer
  • Chicago, IL
  • Licensed in Illinois

A: If you were at-fault, you are liable. If the other driver had full coverage, THEIR insurance will pay and you will owe them WHATEVER THEY PAY for property damage and injury. There are only 2 ways you can keep a driver's license, in ANY state. You can enter into a repayment plan that is agreeable with the other insurance until the debt is paid OR you can refuse to pay and discharge the debt in Bankruptcy. If you decide on the latter, consult a Bankruptcy attorney for the correct timing and to make sure the debt is included in your Bankruptcy estate. It was a VERY expensive lesson to learn. Years of auto premiums are cheaper than one uninsured accident but you know that.

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