If you have insurance however you might not have to worry about this.

Are you automatically at fault if you don't have insurance. Even if you have a non-fault claim you might see your insurance premium go up at your next renewal. This will leave your NCB intact. In this case both drivers NCB could be affected.

In fact some states make it illegal for insurance companies to raise insurance rates after a collision where you were not at fault. Only under very limited circumstances can the injured person step outside of the no-fault system and file a lawsuit. In cases where fault cant be agreed on insurers may split the cost of the claims.

If you dont have insurance you will be held personally responsible for any judgment entered against you. If you are at fault If you cause an accident and dont have insurance let the other driver or the responding police officer know you are uninsuredyou dont need to give a specific reason why. If you get into an accident with a driver who doesnt have insurance then you might be able to file a lawsuit against them.

You may get compensation if you have uninsuredunderinsured driver coverage. Your liability insurance usually pays for all legal bills related to an accident you are liable for. You may have to purchase uninsuredunderinsured drivers insurance on your own.

Thankfully if youre not at fault in a car accident and you dont have comprehensive car insurance you are afforded financial protections. So if you live in a no-fault state and you dont have insurance even if youre at fault for the accident the other driver probably cant name you as a defendant in a lawsuit and seek compensation directly from you. If you were the at-fault driver in the accident and you dont have insurance youll have to pay out of pocket for any damage or injuries you caused even though you dont have coverage the other driver has the right to recover damages from you meaning they can sue.

The other driver will file a claim with their insurance company. Car insurance will cover legal fees but if youre uninsured that would also be an out-of-pocket expense. Youre only covered if youve got uninsured motorist coverage UIM or collision coverage added to your auto insurance policy.