S
stupidme2
Guest
What is the name of your state? Texas
I live in Texas and due to being laid off work for 5 months, I let my insurance lapse. Not a smart thing to do, I know. The people that I finance my car through took out that 'forced insurance' thing where my car gets fixed no matter what, but no injuries or other people's cars get paid for. Last week, I was turning left into a clear lane from a center median type thing. Once I was in the lane, I was struck on the right fender of my car hard enough that it spun me back across the median and into another car that was waiting to turn left as well. My car ended up sideways on the median and the car that hit me ended up upside down further down the street. I believe that the car that hit me was in the center lane further back and then switched lanes into me. The damage on my car from her car is very minor. Had I not spun around and hit the other car, my car would have been drivable. The lady in the car I hit was fine. The lady that flipped her car had an open fracture of her arm. I don't have her info yet because it will be on the police report as she left by ambulance. I also don't know who they are ruling at fault. My main concern is, what do I do about not having insurance? I gave the officer my EXPIRED card at the scene and he didn't give me a ticket. I am sure I will be getting one though! I already told the lady who I hit's insurance company that I don't have insurance and already confirmed with my ex-insurance company that I am indeed canceled. I gave them the 'forced insurance' info, but that won't do them very much good. So what will happen to me if this is ruled my fault?? Please help without lecturing me for not having insurance. I KNOW it was stupid. Thank you.
I live in Texas and due to being laid off work for 5 months, I let my insurance lapse. Not a smart thing to do, I know. The people that I finance my car through took out that 'forced insurance' thing where my car gets fixed no matter what, but no injuries or other people's cars get paid for. Last week, I was turning left into a clear lane from a center median type thing. Once I was in the lane, I was struck on the right fender of my car hard enough that it spun me back across the median and into another car that was waiting to turn left as well. My car ended up sideways on the median and the car that hit me ended up upside down further down the street. I believe that the car that hit me was in the center lane further back and then switched lanes into me. The damage on my car from her car is very minor. Had I not spun around and hit the other car, my car would have been drivable. The lady in the car I hit was fine. The lady that flipped her car had an open fracture of her arm. I don't have her info yet because it will be on the police report as she left by ambulance. I also don't know who they are ruling at fault. My main concern is, what do I do about not having insurance? I gave the officer my EXPIRED card at the scene and he didn't give me a ticket. I am sure I will be getting one though! I already told the lady who I hit's insurance company that I don't have insurance and already confirmed with my ex-insurance company that I am indeed canceled. I gave them the 'forced insurance' info, but that won't do them very much good. So what will happen to me if this is ruled my fault?? Please help without lecturing me for not having insurance. I KNOW it was stupid. Thank you.