Q: I got into a car accident and I was uninsured and at that time I was a minor. what should be my next steps?
I do have a police report and I am being held at fault since I was uninsured and a minor. The accident was a collision and everyone was okay and no ambulance was called. The other person insurance gave me a letter in the mail to talk about the claim/settlement and have left voicemails to the number they gave me but I still got no call back it’s been about 4 months. Should I be worried? I also want to enlist in the national guard but not sure if this is going to hold me back, I want to resolve this claim before I try to enlist.
A:
It is illegal to drive without insurance and I am not condoning it. That said, failure to have insurance has nothing to do with whether you are the at-fault driver. You provide no facts concerning the accident so I cannot tell you whether you were at fault. Assuming that you were at fault and the other driver had full coverage insurance, this is what will happen: 1.) The other driver's insurance will request that anyone making a claim assign their interest to that insurance company; 2.) just because no ambulance came to the scene does not mean that no one was injured. the other driver and or passengers will likely claim some injury and the other driver's insurance company will pay those claims. Additionally, the other driver's insurance company will pay to repair the other vehicle and will probably provide the other driver with a rental vehicle while the car is being repaired.; 3.) Once the claim is fully settled, the other insurance company will total everything they paid + their insured's deductible and sue you for that amount. The Court will enter a judgment against you in that amount and you will never be able to secure a drivers license, in any state, unless you enter into a repayment program that is agreeable to the other driver's insurance company OR You discharge the debt in bankruptcy. hopefully, you retrieved your vehicle from the tow yard or you may also owe them money. If the car was financed, you also owe the lender.
I have no idea how these facts affect your eligibility to enlist in any branch of the service but your local recruiting office should be able to give you a definitive answer. Good luck.
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