What Happens If You Get Into An Accident Without Insurance?

When a person gets into a car accident, lots of things happen – problems arise, legal conversations are needed, and bills accumulate. When a person is insured, these problems become much smaller and much easier to solve. However, if a person is uninsured, things can get out of hand.

Auto Accident Without Insurance

Automobile accidents without insurance can be devastating

Car accidents are terrifying situations to have to face. They can be much more terrifying, however, if you don’t have auto insurance. In the United States, in order to drive a car, you need to have at least some form of automobile insurance. All states have minimum requirements as to how much insurance coverage is needed in order to get behind the wheel. In other words, car insurance is mandatory. There is good reason for this as well – it is not just some stupid law. Let’s take a look at what will happen if you do not have auto insurance and are involved in an accident:

Legal Issues From Accidents With No Insurance

Court dates, fines, license suspension, and lawsuits will all be in your future if you are in a car accident without insurance.

If you do not have proper insurance identification at the time of the accident, you will need to go to court in order to present proof of insurance to them. If you do not have this proof of insurance (AKA you did not have insurance at the time of your accident), you will need to go before a judge. The judge will most likely fine you and sentence you to some sort of legal punishment.

Driving-without-insurance fines vary by state and they can be very large. If you are involved in such an accident, representation by an experienced lawyer is highly recommended. Investing in a well-reputed lawyer could save you a lot of money. Remember to not talk to authorities or insurance claims specialists without first consulting with a lawyer.

License Suspensions

Car Accident Legal Fees

Legal fees can be through the roof!

On top of your legal fines, you most likely will get some type of license suspension as well. Many states including California, New York, and Texas will suspend your license (or license plates) if you are discovered to be driving without proper insurance. License plate suspensions usually involve seizure of your vehicle and impoundment for at least 30 days. License suspensions are more severe. California, for example, suspends drivers’ licenses automatically for 6 months if they are in an accident without insurance.

Being Sued

If you do not have car insurance and are involved in an accident, you are likely to be sued personally for any damages or injuries that occurred in an accident in which you were at fault. If you had insurance (like you were supposed to), the insurance company would pick up the tab on the civil court ruling. Depending on the damages and injuries that you were ruled at fault in, you could end up paying a lot of money (often times in the millions). If you do not have enough money to pay for the amount you owe, you can lose your home and any other assets of value. As you can see, not having insurance can be devastating.

Coverage For Your Automobile

If you are ruled to be at fault in an auto accident and do not have insurance, there will be nobody left but yourself to pay the bill for damages to your vehicle. If you do not have the money to purchase a new car or to pay for the damages to your vehicle, you better get used to walking or taking the bus because you may be without a car for a long time.

Coverage For Injuries

Even if a drunk driver comes up from behind and smashes into your vehicle, leaving you paralyzed, you cannot get paid for your suffering if you do not have insurance. Basically, without insurance, you are on your own. You will need to pay for your own medical expenses even if the accident was not your fault. Because your life can be ruined in an instant without it, auto insurance is always worth the money.

The Final Word On Accidents Without Insurance

As you can see, there are some real dangers of driving without insurance. Aside from the danger of getting a very expensive ticket, your life can be ruined in an instant if you are unlucky enough to get into an accident without insurance. Fortunately, with the amount of resources available helping you find affordable auto insurance, there is really no reason why anybody these days should need to drive without it. Use the internet to compare quotes in order to find the cheapest rates for you. After all, anything is better than suffering through the headache of an accident without insurance.


  Comments: 67

  1. Worst thing that can happen IMO is if you are ruled at fault and the person discovers you aren’t covered. He then proceeds to fake whip lash and all these other injuries and sues the life out of you… this actually happened to one of my friends.

    Oh yeah, that and killing someone without insurance.

    • my bf just got into a car accident and were now waiting for if there putting it as his fault. he hit a guy on a moped but he didnt see him. he doesnt have valid insurance but the cop did not acknowlege that. what should we do till the court date. also the guy didnt give us any info he was taken to the hospital not to long after the accident. i dont believe he had insurance or any idea we didnt.

      • If the other car is at fault can I still collect if my car is uninsured and has fake tags at time of accident

        • Insurance just lapsed ,otherdriver totally at fault what can happen?

        • Yes you can still collect take your plates off as if they were stolen you can’t have your car repaired until you obtain legal plates from DMV cause every Legal mechanic shop must have valid info in order for them to repair tie car

      • I got into an accident on the 24th of May. My insurance lapsed,but I still presented my insurance cards to the cops. I got insurance the next day,but still got the letter in the mail to provide a Certificate of Compliance by the 8th of July. My license could still get suspended cause my insurance wasn’t obtained on the day of the accident, it was a day after.

  2. Louise Lloyd

    One should never be too reckless to drive without insurance since it’s required. It will definitely come in handy for we never know if one day we’ll get to an accident. Better play things safe.

  3. I got into a car accident over the weekend with my bf. we did not have insurance bc of some problems we have been having and it wasnt going to be effective until this week. The accident was DEF her fault, she got a ticket and I spent the weekend in the hospital bc im pregnant and its caused some major problems. what happends if it IS ther other persons fault but you did not have insurance?

    • The same thing happened to me. They didn’t take my statement or anything only the insured drives and supposed witness. She admitted she didn’t stop at the stop sign and that she turned to miss hitting me,but since I was not insured I am being sued and my licence will be suspended.

    • You will not be covered no matter what. That’s your punishment for not having insurance while driving.

  4. I was just in a car accident and did not have insurane, no one was hurt and we both signed waviers stating we did not want to go to the hospital, the accident was my fault and the other driver does not have insrance either, I have no assets, I live with my boyfriend and the only liable asset I had was my vehicle which is totaled, what will happen, it I get sued, what can they get if I have nothing? Besides the considerable fines and possible liscense supspension? Thank you.

    • im having the same problem can you give me any advice at all

    • Same position. I have no idea what to do from here. I got into a car accident hit a parked car. My insurance at the time was lapsed and I was completely not aware. The accident was my fault but I have no money to cover the other cars damages. I lost my job and now i have no car because its totaled. I’m going to assume the other driver doesn’t have insurance either. What should I do? The other driver stated they were going to sue. Do I stop communicating with them at this time. I live in the state of michigan.

  5. auto wreck lawyer

    Always get insurance… it is too dangerous to drive out here with out it.

    • I got into an accident and I don’t have insurance. Is there any insurance companies that will cover the cost of a accident that happened before I was insured?

  6. I have been driving under my farthers insurance i got into a fender bender were the other car had no damage and i was not given any tickets regarding the weather now they are saying they do not want me to drive , because i have a carless driving and adriving under supened lince i am having a hard time gettimng quotes what should i do ,drive safe and only emergices until my b-day my driving record will be wiped

  7. few days ago i was at a store and i was drivng outa parking lot and the guy was on my left side and was driving too he stoped and i hit him a lil with my miror he got a scratch and a dent i just got the car and the insurance is on my parents for now so i told him not to call the cops well work it out i gave him all my info got his and we agreed to talk it over the next day since it was night the next day we agreed that im either gona get his care take it to the shop or pay cash the next day i went on a busnise trip for a day he did an estimate and they said its 961 to fix wen his car at most is worth 10k and its only 200 to fix it max so i said wen i come back tomorow well talk i come home yesterdaay trina reach him he dont pick up today my parents insurance calls and said they aint gona cover it i didnt wana do it trough insurance cus i got a 30k bmw and they gona make my car salvage tittle and in my miror onky a little pice chiped of the trimof the mirror and my parents insurance ssai they aint gona cover it wats gona happen now…

  8. I was involved in an accident. The other person did not stop at a stop sign and turned onto my street where I was backing up. Payment to the insurance company was made days before. After the accident the insurance company sent the money back and cancelled my insurance. I paid for my car to get fixed because the insurance company refused to come out and see how the accident happened. Btw, this was not my car. Now I am receiving calls about an outstanding bill to the other guys insurance (which was the same insurance) and their collection agency. I am being threatened that I will have my license suspended for a car that was not mind in an accident that was not my fault.

    What can I do for this issue? The insurance company tells me it has nothing to do with fault that I owe but I know it does.


  10. My wife got a call after almost 1 year of getting into an accident, which was the other persons fault. However unfortunately her insurance had lapsed unbeknownst to us when the accident occurred. At that time the other person’s insurance covered the damage to their car and we took care of our car out of pocket. We forgot all about it. And promptly restored our insurance as the lapse was a mistake.

    Today, out of the blue, after almost 1 year of the accident, wife got a call asking to give $11k RIGHT NOW or else they threatened to report that she was driving without insurance, which will lead to authorities suspending my wife’s driving license. The phone number was from Sarasota Fl And on calling back it went straight to voicemail without naming a company or person.

    Is this a scam or should we be worried? Any advice?

  11. Last month I was in an accident my daughter was in the car with me, I was making a right turn from the stop sign in my community, and a car was coming from the direction from which I was turning , we collided I was cited for failing to obey traffic sign, and the other driver was cited for expired taga and later I found out throughy insurance company that she had no insurance, now will my insurance company pay for her damages she also had a passenger in the car with her.

  12. I was in a accident about a week ago. I was slowing down at a red light and my brakes gave out I hit the women in from of me in her mini van. It only chipped a little spot on her van but she also had two very young kids. No one was hurt and she wasn’t mad she even told me she was sorry. I’m out of the job right now and I’m a volunteer firefighter. I drive a beat up 95 camaro and me and my fiancé live with her parents for now. I have NO insurance. What will happen and what do I do? I live in kentucky

  13. Fabian Ibatra

    I was hit the other day , my car was parked , but I have no insurance well at least on that car . Can I still file a claim ?

  14. Carolyn Mcelfresh

    I was in a fender bender about 3 days ago I don’t have insurance I thought I was on my parents and I wasn’t the other people are saying they will go by on the police what does that mean? Everyone was fine the only damages was some paint messed up

  15. my car was hit I have no license nor insurance, I only have a permit.
    it was the other drivers fault. they don’t have insurance nor license either.
    what can I do?

  16. got in accident have no insurance but other driver was at fault. who pays for my car?

  17. my husband took my car without my permission in was in a little accident and now they’re trying to sue me and suspend my license behind it can that really happen even though I wasn’t on the scenes the accident

  18. Got in a wreck van wasn’t mine can they suspended my license if the vehicle wasn’t mine

  19. My daughter was hit head on in a car accident, police seen it. The driver had just bought the car from a private owner and there was no insurance on the car. The man that hit her has no license, no insurance, and said he had just moved here from Mexico. We live in Houston,Tx. Can my daughter go after the man driving the car and the pervious owner

  20. If I was driving my bestfriend sister car and I was in a accident I got a ticket. there was no insurance in the car and i didn’t know. When I ask her if she had insurance she tell me yes. But she don’t want to give it to me because the don’t want any one to sue her and her insurance to go up, now the other person is suing me. What should I do?

  21. I bumbed into someones car while their car was parked but I didnt have insurance and they came outside and saw it was me they got my info and had their insurance company call me about the damages all there was on their car was a tiny crack in the front bumber can i get introuble for not having insurance and what if i cant pay all at once when they stick me with the bills

  22. Can someone tell me what happened if I got in a car accident and you were the passenger, the car that hit me the dude had no insurance and also the car wasn’t his. What happens! Can I sue him even tho the car I was in was at fault.

  23. I got in a car accident I didn’t have insurance and no License. The other person didnt have insurance and a permit to be with an adult but wasn’t with an adult. I hit the car from the back. I was at fault. I’m still considered a minor. Can I still get sued??

  24. I hit a car from the back in the rear bumper, it was an straight hit, I do not have any insurance, and there were a dent in the other person’s bumper that is impossible that I could made it because the dent was almost at the corner of the bumper and like I said it was an straight hit. The other person insurance want me to pay for the damages, no matter if I did them or not. They told me that if I refuse to respond I might lose my driving privilege. So I do not thing that is fair like paying for some other things that are not my fault. So I want to know if I refused to pay for the damages I do not consider that were my fault, for how long would I get suspended my driving privileges?? That would be the only thing that could happened??

    • I just got into an accident! I was driving around 65 to 70 on the far left side of the freeway while it was pouring. Out of know where i hit a bump, send lots of water splashing up, i lose control of the car (im pushing hard on the brakes but it wont stop) and its starts doin a 180, hits a car on my right side then send me slipping back to my lane n hitting a cement wall and the airbag shoots out. I wait there till the cops areive n find out the white i hit, hit another car leading to another car, so 4 in total. I wait there fir the cops to arrive. One man goes out n ask if i was fine and told me no one else got hurt. Cop gets my info n lets me go, just tells me to fix my flat left wheel. So in conclusion the 2 doors are jammed n wont open as is the window n a small crack in the back in front. I Have No Insurance, so what could the other 3 cars do to me, and how much will it cost to repair my car? And what fines am i gonna have to pay, also should i get an insurance asap?

  25. I need to know my bf lent my truck out had insurance the day of accented but didn’t know they wreak and lefted it will it still be covered cuz i dont have it now 3 days later

  26. So my friend had a car accident in my car but wasnt insured. And he ran out of the scene. Can i do anything so he can pay for it?
    Or there is nothing i can do to make him pay the money they want me to pay?

    It was my car, my plates, etc but he is illigal and i can prove that i wasnt driving….

  27. I was in a accident last Sunday the 15th, I was hit while waiting for a parking spot with my flashers on across from my church. I was hit from the rear where both my daughters were seated. The person that hit me totalled my car. My oldest daughter and I are injured. My insurance lapsed the beginning of the month and it was due to income. I’m a single mom. Ironically, I had made arrangements with the company to have the payment to reinstate the insurance this coming Thursday. I have 13 witnesses that all say he was at fault. He was a security guard on duty in a company vehicle and not near his post. He also stated that his sugar was low. Will my plates, license etc be suspended even though he was totally at fault? Do I have a case or no because of the insurance situation? What do I do? I needed that car? And now due to injury I’m off work and my daughter is out of school. Any advice would be great. I’m in Michigan

  28. I got in a wreak and didnt have insurance on one of my cars. I didnt envolve the police and gave him my other cars insurance card and we went from there. I now have a debt in collections for his damages and the collection agency now wants 500 down and 250 a month or they were gonna send it to the dmv to suspened my license. i didnt have the money for it to they said the submitted it. Now i have the money to pay for it and they told me to go to the dmv and tell them im making payments on it so they dont suspended my liecens. .. my question is dont you think the dmv would take my liecens anyways if i go in there and tell them i didnt have insurance at the time but i now do and am making payments on it ?

    • Same situation. Probably same company. What they told you doesn’t make a lot of sense. I would try to deal directly with the DMV. If they have’t sent you anything, then I would call the collection agencies bluff.

  29. I got hit by a girl trying to beat a light. Nobody got tickets I got hurt pretty bad. She didn’t get hurt. Both cars totally done. I don’t drive much so my insurance lapez .So what happen now? I have no car I’m hurt. But who pays for cars help please thanks. Again police were very nice no tickets to either of us. Sue me you get nothing im living off Ssi God bless everyone like this cop said accidents happen. Nebraska

  30. My husband crashed on the highway 4 vehicles were involved including my husbands he had no insurance because we didn’t have the money at the time he was on probation from court he was not supposed to be driving and a suspended license what is most likely to happen when he goes to court im worried that he might get arrested any advice?

  31. I wrecked my 2 year old Kia Soul and I really don’t know what to do. I still have 4 more years left on it but I didn’t have full coverage at the time of the accident. However I only have liability. I know that doesn’t cover anything but I still would like to know if there’s anything I can do in order to fix it because I think my car is totaled. I hit a curve though so it was just my car that got damaged.

  32. I was in an accident and I thought I had insurance, but my wife and I are in the middle of a separation and she told the insurance company I was not supposed to be driving the truck because I stole it from her. The title and registration are in both of our names and she told me she had put me on the policy, which turned out to be a lie. I don’t know what to do or expect. Thoughts?

  33. OK a guy hit me head on its his fault but I didn’t have insurance on my truck but he have full coverage

  34. I got in accident and hit the other car on side door and didn’t have insurance.Their found me at fault and toll me damages I don’t have all money can make arrangements or payment plans or do they have to take me to court?

  35. Shena whitehorse

    My son in law was making a left turn on a flashing yellow light he said lady ran red light but she said he didn’t yield the right of way but she gave him her insurance company’s name.no tickets were given no court date no measurements taken.my question is my daughter was hurt and the police won’t leave until the glove compartment was prided open to get insurance paper.so my kids are feeling they are owed the estaiment price for there car but ,it’s his mom’s car and there was no insurance.we live in mo and he has had his licence suspended before and has 2 no insurance tickets already.so when the lady’s insurance company finds out ,what will happen?

  36. natasha glasper

    i was in a car accident with no insurance but the person that cause the accident have insurance what is the next step

  37. What will happen when you do not have a license and make an accident of someone else?

  38. Backing out of our driveway, hit a car driving by. We were both going slow, but damage to both vehicles. My insurance had lapsed so no coverage at the time of the accident. In CA. Wondering if the other driver’s collision portion of her policy will cover her? Uninsured Motorist coverage is not mandatory in CA. Our only hope is that she’ll be a decent human and not sue us if her insurance has coverage that will repair her vehicle. if she is out out- of-pocket any money, we are happy to reimburse her so she doesn’t spend a cent…however, I am concerned that her insurance will report me to the DMV and I will get my car impounded for at least 30 days (at what cost??) and my license suspended…and my husband has no driver’s license so we’d be screwed getting to/from work…does anyone know what we might expect to happen next??

  39. I have liability insurance, my car was parked, guy hit my car but he didn’t have insurance! He promised to pay for it! Signed a paper saying he would pay for everything! The damage was $2600.55 to fix! I know he can’t afford it so I had him sign his title over to me cuz it’s only like $700 to fix his! I live in PA! He says, I need to find away to get away with this so I don’t lose! What about me losing out, I was just watching TV and heard a smash! I go out to this….UGH!!!
    If I would have called cops, what all problems would he have? No insurance, dui, liscense suspended, car impounded, fines, court cost…… anything else?

  40. My Father-in-law was rear-ended (not his fault) and seems that the person who hit him had cancelled his insurance. According to his insurance company they say they aren’t doing anything since he cancelled his policy. What course of action does my FIL have? Do we need to lawyer up and sue the driver? Any advice would help. It seems at least he is responsible for car replacement and bills. Possible lawsuit?

  41. My daughter 7 and I were passengers in car accident, when ex driving didn’t have insurance. I thought he did. He says insurance was being paid every month and insurance company says it lapsed in February months ago. So I don’t believe him! We were hurt. It was the other cars fault. Who is gonna be responsible for our injuries?

  42. My insurance was cancelled last month. I got into a minor accident today, which I don’t even consider an accident. I hit the car behind me very lightly as I was reversing at a gas station parking lot. There’s no damage to his front bumper, just a few scratches. I gave him my driver’s license number. His insurance called to obtain more information, but they seem to have the wrong license plate number. What are your suggestions?

  43. Who’s the sole person to pay any fines or debts with an accident that has happened in my vehicle when another person wrecked the car involving another car?

  44. I myself am insured with liability but the car I was driving today is not because it’s not my vehicle however I got into a small Fender bender and would like to know what can happen to me legally such as getting license suspended or anything of that sort

  45. I was in a accident without insurance but got liability insurance that day.what’s my worries..but was given the failure to yield ticket….

  46. I have a car accident and my car insurance was cancelled,I was driving without insurance I not even know,because ,the car insurance was taken every month the payment from my bank account,when I had the acccident I tried to claim and then the car insurance agent said “your car insurance was cancelled already”I was fighting them,but I was feeling very frustrated,and I just give it up;now I have to go to the court because the hospital bills???? What can I do????

  47. I got into an accident while driving reverse and one of the Apartment complex because there was no way to make a turn and this lady was backing out from her parking spot hit my car later I found out that she don’t have insurance she don’t have driving license and she is a illegal alien without any legal documentation, Because she start crying I disregard the police call and took all the cost on myself because I could not report it to aunt Sharon’s company

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