What happens if you get insurance after an accident

When you buy auto insurance after an accident, the insurance coverage won’t apply to the accident you just bought.

By Brad Nakase, Attorney

Email  |  Call (888) 600-8654

Have a quick question? I answered nearly 1500 FAQs.

Do you need to have insurance in California?

Every driver in California is required to have insurance to cover any injuries that may happen in a car accident. You should want to have insurance, too. If you are in a crash and are not covered, then you will be responsible for paying the damages and medical bills. If another person is involved in the accident, you could be facing legal problems.

Liability insurance covers injuries that your accident causes others. There are other kinds of insurance that cover your own injuries and damages. These include uninsured motorist coverage, collision coverage, and medical coverage.

Insurance is very important on a financial level. If you are injured in a crash and do not have coverage, you could be left unable to pay for your own medical bills and property damage. It will be very difficult to get any compensation for injuries, regardless of fault. If you injure another person in a car accident, you could end up owing hundreds of thousands in damages. Please contact our car accident injury attorney for a free consultation.

That said, even if you do not have insurance when you get into an accident, you might be able to get compensation. Let’s go over the basics first.

Is it illegal to drive without being insured?

It is a very bad idea to drive without insurance in California. Number one, it’s illegal. Number two, you will not be able to get much compensation in an accident. This is the case even if the other person caused the accident.

In California, there is a rule called “No pay, no play.” This means that drivers without insurance can only recover a small amount of money after an accident. Let’s say you are in an accident caused by another driver. You may be able to secure economic damages to pay your medical bills. However, you will be ineligible for non-economic damages. Perhaps you got a bad knee injury in the crash. The economic damages would cover your surgery. However, you are no longer able to play golf, your favorite hobby. Because you are uninsured, you cannot get compensation for the loss of quality of life.

You may also be fined or have your license suspended for driving while uninsured. These are relatively minor consequences when compared to the mountain of legal bills and damages you’ll face.

What happens if you cause an accident while uninsured?

If you cause an accident while uninsured, then you are in for a world of hurt financially. This means you are not eligible to have your medical bills covered by the other driver’s insurance. If you are seriously injured, you may not be able to pay for your treatment. Further, if the other driver suffers injuries, you will be on the hook for their recovery as well.

The other driver can sue you for damages even if they have uninsured motorist insurance. This puts your property and assets at risk.

How do you know if you are uninsured?

If you are driving another person’s car and they are covered by insurance, then you are covered as well. This is assuming, of course, they have allowed you to drive it.

You do not need to pay for an auto policy to be covered. Insurance is tied to the car. This means when another person gives you permission to drive their car, you are covered by their insurance policy. Let’s say you borrow your friend’s car for a night out and get into an accident. Most likely, your friend’s insurance will cover any injuries or damages caused.

How else can you get compensation?

If you have health insurance, it can cover some of your medical bills. Also, you have the option to sue a third party if they played a part in the accident. Let’s say your car’s brakes were faulty. In this case, you can sue the manufacturer for producing bad brakes.

In the event injuries and damages are not significant, it may be enough to pay the other driver in cash for any repairs. This can get around the insurance situation.

Can an attorney help?

It is not a good idea to drive without insurance in California. It will be almost impossible to recover any meaningful compensation. For this reason, having a lawyer will not do much to help your case.

Have a quick question? We answered nearly 2000 FAQs.

See all blogs: Business | Corporate | Employment Law

Most recent blogs:

What happens if someone else is driving my car and gets in an accident

What happens if someone else is driving my car and gets in an accident

Car accidents involving borrowed vehicles in California bring unique legal and insurance challenges, highlighting the importance of understanding coverage. Tips on navigating settlements, evidence collection, and legal consultations underscore the complexities when someone else drives your car.

What To Do in An Accident?

After an accident, do the following: ensure everyone is safe and call 911 if necessary; exchange insurance information with the other driver(s); and report the accident to your car insurance company.

The Truth About Uninsured Motorist Coverage

The truth about uninsured motorist coverage has been unfolded, revealing its vital role in protecting drivers financially in a variety of scenarios. We've explored how this coverage, while varying by state and policy, offers indispensable security against the uncertainties of accidents with uninsured drivers.

Second Assumption of Risk Defense

Secondary assumption of risk is when one willingly and voluntarily puts oneself in a dangerous situation due to someone else’s negligence.

How MICRA affects Medical Malpractice Litigation

MICRA caps plaintiffs' personal injury general damages at $350,000 and wrongful death at $500,000. Also, under MICRA, a plaintiff in a malpractice case only has one year from the date they discover their injury was caused by negligence to sue a medical provider.

Personal Injury Lawyer: How to Prove Pain and Suffering

Our personal injury lawyer discusses the challenges of quantifying pain and suffering in personal injury claims, underscoring the pivotal role of lawyers in guiding jury assessments. It emphasizes the significance of medical evidence and expert testimony in translating subjective pain into legal terms for fair and clear courtroom deliberations.

Sacral Nerve Damage Symptoms

Symptoms of sacral nerve damage includes: lower back pain, numbness or tingling in the lower back, muscle weakness, bowel or bladder dysfunction, sensory changes, and difficulty walking.

What are date rape drugs?

Date-rape drugs are substances that make it easier for someone to sexually assault or rape another person usually by making the victim unconscious.

Back Injury Car Accident Settlement

The average settlement value for a back injury in an auto accident lawsuit ranges from $12,000 for minor injuries to $500,000 for injuries requiring surgery. A lot depends on the severity of the injury and the costs of medical treatments.

What Do You Do When Someone Hits Your Car?

When someone hits your car, ensure all passengers are not hurt, then exchange insurance information and contact information with the other driver. Next, take many photos and witness statements, and report the incident to your insurance company.

Car Accident Law in California

Two main things drivers must know about California car accident law: 1) All drivers must have a minimum of $15,000 for each person injured or killed in an accident, $30,000 for injury/death of two or more persons in one accident, and a minimum of $5,000 for property damage in any one accident, and 2) drivers who are found to be at fault for a car accident may be held liable for any damages or injuries that result from the accident.

What To Do After A Car Accident Not Your Fault

You should do three things after a car accident that is not your fault: 1) take photos of the cars from the front and the rear of each vehicle, including the surrounding landscape or landmarks; 2) exchange driver's licenses and insurance information, and 3) report to your insurance company.

Who is at fault in an accident?

To determine fault in a car accident, you must show that the driver was negligent; you prove a driver was negligent by showing what the driver did that violated a law.

California Trucking Laws

California law requires that all trucks equipment, such as lights, windshields, reflectors, etc., must comply with the United States Federal Motor Carrier Safety Administration standards.

Stalking Law and Elements (California)

The term “stalking” is defined as a person engaging in a course of conduct directed at a specific person that would cause a reasonable person to suffer substantial emotional distress or fear for their safety.

Contact our attorney.

Please tell us your story:

5 + 3 = ?

20231228