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Crash and no proof of insurance

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C

cwesleyf

Guest
I was involved in a crash in 97 on the highway. The road was=
extremely foggy and I ran into a stopped car carrier. Both=
lanes were stopped because of another accident being cleared up=
ahead. The driver of the truck rushed up and asked if I was=
okay and next thing I knew I heard the screeching of brakes as=
another driver ran into the back of me. That driver approached=
me and asked if I was okay and apologized for running into me. =
Next thing we knew we heard another screech of brakes and I got=
clipped slightly in the side. A minute or so later a semi=
applied it's brakes turned to the right lane to avoid us all and=
ended up jackknifing into an overpass that the truck ahead of me=
was under. I was told by the police that my insurance was not=
valid according to their records. When I contacted the=
insurance company I was told I was not covered and the local=
office was holding onto my last payment (which my wife sent in=
late). I am trying to clear up my license now and understand I=
must go to court first because of an injury that occurred to the=
truck driver who ran into the overpass. I am not sure what is=
going to go on during the court appearance or what my=
responsibility is in regard to the accident. Obviously I feel=
responsible for running into the car carrier, but everyone else=
seems as responsible for running into me or whereever as much as=
I was responsible for running into the car carrier. I am in=
Florida and want to get my license cleared up (it is suspended=
now). What am I looking at and what free advice would you give=
me regarding the situation. I never received any paperwork form=
the insurance company regarding a lapse of coverage of my=
insurance.
 


I AM ALWAYS LIABLE

Senior Member
<BLOCKQUOTE><font size="1" face=" Arial, Verdana, Helvetica">quote:</font><HR>Originally posted by cwesleyf:
I was involved in a crash in 97 on the highway. The road was=
extremely foggy and I ran into a stopped car carrier. Both=
lanes were stopped because of another accident being cleared up=
ahead. The driver of the truck rushed up and asked if I was=
okay and next thing I knew I heard the screeching of brakes as=
another driver ran into the back of me. That driver approached=
me and asked if I was okay and apologized for running into me. =
Next thing we knew we heard another screech of brakes and I got=
clipped slightly in the side. A minute or so later a semi=
applied it's brakes turned to the right lane to avoid us all and=
ended up jackknifing into an overpass that the truck ahead of me=
was under. I was told by the police that my insurance was not=
valid according to their records. When I contacted the=
insurance company I was told I was not covered and the local=
office was holding onto my last payment (which my wife sent in=
late). I am trying to clear up my license now and understand I=
must go to court first because of an injury that occurred to the=
truck driver who ran into the overpass. I am not sure what is=
going to go on during the court appearance or what my=
responsibility is in regard to the accident. Obviously I feel=
responsible for running into the car carrier, but everyone else=
seems as responsible for running into me or whereever as much as=
I was responsible for running into the car carrier. I am in=
Florida and want to get my license cleared up (it is suspended=
now). What am I looking at and what free advice would you give=
me regarding the situation. I never received any paperwork form=
the insurance company regarding a lapse of coverage of my=
insurance.
<HR></BLOCKQUOTE>

My response:

1. In court, you will be fined for your failure to have insurance.

2. From the time you first got the insurance, and before the accident, did you move from your residence? They may have sent it to an old address because you didn't tell them, or didn't file a forwarding addesss with the post office.

3. Most State's insurance laws require written notification of cancellation of insurance for lack of payment. If you haven't moved, ask your insurance company to see your file.

4. See an attorney for all of the above, including making any proper claims for your own injuries and property damages.

IAAL

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