I Was Driving Without Insurance Can I Still Sue Other Driver Car Accident?


YOU CAN STILL SUE OTHER DRIVER IN CAR ACCIDENT EVEN IF YOU WERE DRIVING WITHOUT INSURANCE

Our lawyers regularly get calls from people injured in a car accident, but driving with no insurance. They know it is against the law to drive without auto insurance. However, for whatever reason – usually financial, that is the situation they are in.

A dark red background with a pattern of flowers.
You Have No Insurance But Other Driver at Fault

The caller is always concerned about the criminal consequences i.e. will they go to jail for driving without insurance?Generally, the answer is no (although there will be a citation and a fine).But they also want to know if they can still get compensation from the other driver’s insurance even though their own car was uninsured? Generally, the answer is yes if the accident was the other driver’s fault. To start with, if the other driver is at fault, their insurance still must pay for the damage to your car even if you were driving without insurance. They will also pay compensation for your injuries.

SOME CAR ACCIDENT BENEFITS LOST WITH NO INSURANCE

There are some consequences to not having auto insurance when you are in an accident. Probably the biggest consequence is that you can’t get No-Fault benefits for your injury.Usually, your own auto insurance immediately pays the first $20,000 of medical bills and $20,000 of lost wages after a car accident. This comes from your insurance regardless of who was at fault.If you were driving without insurance, you will lose that benefit.

However, if you are injured in a car accident that is the other driver’s fault, their insurance still ultimately has to pay your medical bills, wage loss, and other compensation. The difference is you must prove they were at fault and wait for the final settlement.

In addition, you will not have any underinsured coverage because you don’t have insurance on your car. This becomes important if you are seriously injured and the other driver does not have enough auto insurance to fully compensate you. You will not have the additional underinsured coverage that every insured driver has for a Minnesota accident. Of course, if the other car is also uninsured, you really have a problem.

The bottom line is that it is much betting (as well as being the law) to have auto insurance when you are driving. However, if you are injured in a MN car accident that was the other driver’s fault, you can still get compensation from their insurance. Even if you were driving without insurance, they are still responsible. For more information about MN car accidents and insurance, call us. You will speak directly with an experienced car accident lawyer.The initial consultation is free, and we never charge anything unless you receive compensation for your injuries.