Filing a Claim Accident benefits are among the main types of coverage that ICBC provides.

What happens if the driver at fault has no insurance. You may file a claim for these benefits after a crash regardless of who was at fault and regardless of whether the other driver has insurance. If youre in an auto accident without insurance and not at fault its the other drivers insurance that would in turn pay for your damages and medical bills. No-fault insurance also known as the Ontario Motorist Protection Plan is a system outlining how claims are handled by insurers and simplifies the claims process for drivers involved in a collision.

While an injured driver can still file a claim to the other drivers insurance and that claim will have to be paid it doesnt end there. Driving a vehicle that is not insured will net you a fine of no less than 2500 for the first offence and if you are charged a second time within one year you will receive a mandatory jail sentence of at least 30 days and possibly up to six months. Car Accident Not Your Fault No Insurance What To Do After A Car Accident That S Not Your FaultWhat you do after a car accident thats not your fault can have a major impact on protecting yourself financially and preserving your rights to be compensated even if it isnt your fault you still need to let your insurance know about the wreck.

Not holding collision coverage opens you up to lawsuits and paying large amounts of money out of pocket. Without insurance you may have to pay out of your own pocket. Uninsured motorist coverage could help pay for your expenses if youre in an accident caused by someone without car insurance.

No-fault means that regardless of who is at-fault for an accident each drivers insurer will handle their claim. The other scenario is when the underinsured motorists policy is not sufficient to cover your vehicle repairs. If the at-fault party does not have car insurance you can file a compensation claim with your insurance company or file a lawsuit against the negligent party.

If you live in a no-fault car insurance state your own insurance coverage will pay for your medical bills and certain other covered losses after a car accident so the fact that the other driver wasnt insured might not matter as much. When you are in an accident you may expect the other driver to have auto insurance but this is not always the case. If you live in a no-fault state your auto insurance may cover the expenses associated with your accident up to your coverage limit.

Other Driver has No Insurance. You could lose your drivers license for up to one year. If you have sustained catastrophic injuries and are in need of ongoing care an underinsured drivers policy may not be able to help you.