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Nina B | I live in St. louis, Mo. I have a vehicle accident. The people i hit have no insurance. Is it my fault? |
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Zarnev
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It's not your fault that they don't have insurance but if you hit them it's at least partially if not totally your fault. Let the insurance company handle it. |
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Christie
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Whether or not they have insurance doesn't determine whose fault it is.
Hopefully you have "uninsured motorist coverage" through your auto carrier. If you do, repairs to your vehicle should be covered by your insurance.
You can sue the other people, however. If they caused the accident, they're responsible for payment of any damages. |
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RB
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If you caused the accident, then you're at fault. You are responsible for the damages to the other party's property & injuries that resulted from the accident. Your insurance company will provide coverage up to your policy limits. Any amount above your policy limits will be your responsibility. |
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mbrcatz
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No idea - you don't describe what happened in the accident, so it's impossible to determine fault.
Someone not having insurance does NOT automatically make someone at fault. Fault is determined by the details of how the accident happened, and case law in YOUR STATE. |
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swood1968
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Whether or not the people you hit had insurance does not determine liability. If you ran a stop light/sign then you are at fault regardless of their insurance situation. Many states (I don't know if Missouri is one of them) have a compulsory insurance law. Some states have gone so far as to enact a "No Pay/No Play" law. The "No Pay/No Play" law typically bars the uninsured motorist's claim up to the minimum limits requirements of the state. Anything over the minimum limits can be collected. |
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nurse ratchet
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It is your fault if you hit them, but not your fault that they have no insurance. However, if you have no license, even if they had hit you, it would still be your fault because as an unlicensed driver, you weren't supposed to be there, anyway. |
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