If you reside in a very No-Fault Insurance State
At last count, a minimum of twelve states followed what's referred to as a “no-fault” insurance system.
In a no-fault state, if someone is injured in a very automobile accident, that person is mostly needed to hunt compensation directly from their own insurance coverage. solely below terribly restricted circumstances will the injured person step outside of the no-fault system and file proceedings.
So, if you reside in a very no-fault state and you do not have insurance, although you are guilty of the accident the opposite driver in all probability cannot name you as a suspect in very proceedings and ask for compensation directly from you. solely in restricted circumstances is that this attainable -- generally wherever injuries area unit deemed "serious" or "significant" below the state's threshold definition, or once medical expenses exceed a particular quantity, like $20,000.
If a proceeding is filed against you, as a result of you are doing not have insurance you'll be viewing paying any damages to the injured person out of your own pocket. you'll even be two-faced with hiring a professional at your expense unless you would like to undertake to defend the case yourself. it's no defense to those lawsuits to inform the court, “I can’t pay that quantity.” If you're found liable when an effort and you're ordered to pay the opposite driver's damages, a judgment is going to be entered against you (more on this below).
If I live in a Tort State
States that don't follow the “no-fault” insurance system -- and this includes the overwhelming majority of states -- area unit known as “tort” states. In those states, if you cause an automobile accident and another person is injured, that person will sue you for all of the damages that a person suffered from the automobile accident. this might embrace medical bills, lost wages, property harm, and physical and mental pain and suffering.
If you are doing not have Associate in Nursing automobile insurance policy, you're in person answerable for paying these damages to the injured person. In alternative words, you'll get to pay them out of your own pocket. If the case goes to trial and therefore the alternative driver obtains a judgment against you, they need a variety of choices obtainable to undertake to urge some or all of that judgment happy, together with garnishing your wages in some cases.
If the opposite driver caused the automobile Accident
If you were injured in a very automobile accident caused by the opposite driver, there should still make sure restrictions on what you'll recover against that driver, if you probably did not have your own insurance.
Several states have a rule known as “No Pay, No Play.” In those states, if you probably did not have valid insurance in situ at the time of the accident, you are restricted within the varieties of compensation you'll receive for your injuries. you cannot recover "non-economic" damages like compensation for pain and suffering, however, you'll still get reimbursed for your medical bills.
The reasoning behind this rule is that if you don’t have the desired car insurance that would give full compensation to a different person, then you shouldn’t be able to claim the total edges of somebody else’s insurance if you’ve been the victim of an automobile accident. A recent list of “No Pay, No Play” states included:
• Alaska
• California
• Iowa
• Kansas
• Louisiana
• Michigan
• New Jersey
• North Dakota
• Oklahoma
• Oregon
Penalties for driving with no insurance
If you're in a very automobile accident and located to be driving while not valid insurance, many nations conjointly impose criminal or body penalties. nearly every state can penalize you by a fine of a whole bunch or maybe thousands of greenbacks. additionally, the Department of motorcars in most states will impose penalties that embrace the suspension or revocation of your driver’s license, sometimes for an amount from some months to at least one year.
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