Totaled my car with no car insurance?

  • by Tre
  • Jan 27,2017
  • 8 answers

I recently found myself in a serious situation I need a few opinions.
A few days ago, I was driving on the freeway and suddenly the roads were covered in ice & my car was involved in a 15 car collision at 4am. Everyone on the freeway was spinning out of control and someone basically preformed a pit maneuver on me and caused me to collide in the inevitable pileup in front of us.
Here comes the big issues, my car insurance ended 6 days before I was involved in this accident due to no payment.
(My grandfather insured my car for me and paid monthly but he recently passed away & his bank declined all automatic payments, i'm 22.)
So it never crossed my mind the payments would stop so fast, but my fault I should've asked the bank about this when I notified them.
I found out my license was suspend during the accident due to failure to paying on a speeding ticket 2 month prior. Even though I paid, but it was over 7 days late, they suspended my license and I was suppose to talk to a court representative to reinstate them.
The rep just happily took my money and sent me on my way without notifying of any information of my suspension.
So now Im in this huge situation I have no clue how to go forward with, people are telling me to sue the other drivers that caused the accident, other are saying file bankruptcy.
Oh and heres a bonus, I've had to quit my great paying job due to no transportation because its an hour away. ( Reason why I was on the freeway so early/late. )


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Insurance Answers (8)

vict 2 months ago

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Beverly S 2 months ago

You can't sue other drivers when it's weather related.. Each persons insurance will have to cover their own vehicles. You should have known license would be suspended for non payment- that's the law, it's no ones responsibility to tell you. As for the bank not paying the insurance that all stops at the time of death.. again

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coraann 2 months ago

You had to quit your job because you have no license to drive.
You cannot sue all the drivers on the icy road. They could sue you and since you have no insurance,you could be paying them for thr rest of your life.
You have nothing to claim in bankruptcy as a loss.
You do need a good lawyer immediately.

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sarah 2 months ago

Yes

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Casey Y 2 months ago

For a collision of this size, generally speaking, everyone claims contributory negligence and everyone goes their separate ways. Its impossible to place blame all the way through 14 vehicles involved.
The suspension is a big deal. Driving while suspended, in most states, carries actual jail time.
As for the insurance, if it wasn't valid at the time of the accident, there isn't anything to discuss, other than the fact that you are responsible for damage to your vehicle. You may also lose your license again as driving without insurance is worse than a DUI in some states.
7 days grace period is not a thing. The number of days varies by state and not all plans operate the same way. For instance, if you have a high risk plan that required renewal...there is no grace period. They type of policy, state law and company rules will dictate the grace period. It sounds as though you are confident that you didn't have insurance at the time though.
Not really sure of your question. You might want to speak with a lawyer (don't retain their services), but that's probably a waste of time. Just look out for the second suspension of your license along with a notice to appear for driving while suspended...

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Bob 2 months ago

You ar out of LUCK

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curtisports2 2 months ago

15-car pileups, everybody is covered by their own insurance. It's very difficult to prove who was at fault.
You weren't insured, and you should not have been on the road to begin with due to being unlicensed. There were actions that you were required to take and you failed to take them. Now you have to deal with the consequences.
You can try to find an attorney who would sue on your behalf against whoever they think they can prove was responsible, but a serious mitigating factor against you is you should not have been driving.
You don't file for bankruptcy because you were in an accident. You file because you have insurmountable debt. What debt are you in because of this accident? A car loan that the lender can't collect the insurance for? Not worth filing for that. Dig yourself out of the hole you made by working, two, three, part time jobs in walking distance or using public transportation.
If you want to file for bankruptcy because you think YOU might be sued, then wait until after you are and have judgments against you as a result. You may be able to get those wiped out in a bankruptcy, but you have to include them in the filing. File too soon and have your filing approved and then get hit with judgments, and you're done. You can't file again for seven years.

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A Hunch 2 months ago

Auto insurance typically has a 7-day grace period. If that was your only issue, you could have paid and it would have been covered.
As for the suspension, I totally believe this happened = you paid, you weren't told you had to meet with judge and you went on your way. (I had a similar thing happened).
= However, you still have the problem of being over the grace period.
The guy who clipped you is the one who is responsible for your part of the accident. But do you even know who that is?
= what would you file bankruptcy for at this point? These people's plan is for you to simply stop paying your car loan and then file in a few months? That seems really screwed up on your part.
I also don't know why you quit your job. You rent a car for a few days and buy a jalopy...
= talk to your boss about it to confirm it's not too late. Tell him/her that you weren't thinking straight immediately after the accident.

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