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Involved in an auto accident without insurance

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shakiera1

Guest
I was recently involved in a auto accident. Unfortunatly through miscommunication my insurance lapsed past the grace period.

I am scared and do not know what to do. Do I have any options?

The guy who hit me but, did not get sited, now has a totaled truck as a result of the accident.

Do I call his insurance company? Am I going to jail?

Advice please.
Thank you, shakiera
 


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lars coltrane

Guest
First, you will not be going to jail.

Before we can give you advice, please let us know the state where the accident occurred and also how the accident occurred.
 
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shakiera

Guest
The accident happened in the state Of Arizona.

I was making a u-turn to go south in front of my apartment, at that time the car traveling north hit me. I was sited. The other driver was not sited. He notified the police that he did make an attempt not to hit me.

Any advice would be great.

Thank you
 
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shakiera1

Guest
Originally posted by lars coltrane:
First, you will not be going to jail.

Before we can give you advice, please let us know the state where the accident occurred and also how the accident occurred.


THe accident occured in Arizona. I was making an u-turn in front of my house to go south. The car traveling north the hit me. I was sited, he was not. The guy who hit me said that he did try to slow down to prevent from hitting me but apparently I did not give him enough time.

Any advice would be great.

Thank you in advance.

Shakiera
 
L

lars coltrane

Guest
I don't know the penalty for driving without insurance in AZ.

About the damage to the other car, though, you will be responsible. I would suggest trying to set up a consultation with a lawyer to see if there is anything that can be done about your lapse in coverage. Also, the lawyer may be able to assist in when dealing with the other driver's claim. Try to see an attorney before calling the carrier. It may save you some money, aggravation and help you sleep better at night.

 

I AM ALWAYS LIABLE

Senior Member
<BLOCKQUOTE><font size="1" face="Arial, Helvetica, Verdana">quote:</font><HR>Originally posted by shakiera:
The accident happened in the state Of Arizona.

I was making a u-turn to go south in front of my apartment, at that time the car traveling north hit me. I was sited. The other driver was not sited. He notified the police that he did make an attempt not to hit me.

Any advice would be great.

Thank you
<HR></BLOCKQUOTE>

My response:

Arizona Financial Responsibility and Penalties:

28-4135. Motor vehicle financial responsibility requirement; civil penalties

A. A motor vehicle that is operated on a highway in this state shall be covered by one of the following:

1. A motor vehicle or automobile liability policy that provides limits not less than those prescribed in section 28-4009.

2. An alternate method of coverage as provided in section 28-4076.

3. A certificate of self-insurance as prescribed in section 28-4007.

4. A policy that satisfies the financial responsibility requirements prescribed in article 2 of this chapter.

B. A person operating a motor vehicle on a highway in this state shall have evidence within the motor vehicle of current financial responsibility applicable to the motor vehicle.

C. Failure to produce evidence of financial responsibility on the request of a law enforcement officer investigating a motor vehicle accident or an alleged violation of a motor vehicle law of this state or a traffic ordinance of a city or town is a civil traffic violation that is punishable as prescribed in this section.

D. A citation issued for violating subsection B or C of this section shall be dismissed if the person to whom the citation was issued produces evidence to the appropriate court officer on or before the date and time specified on the citation for court appearance and in a manner specified by the court, including the certification of evidence by mail, of either of the following:

1. The financial responsibility requirements prescribed in this section were met for the motor vehicle at the date and time the citation was issued.

2. A motor vehicle or automobile liability policy that meets the financial responsibility requirements of this state and that insured the person and the motor vehicle the person was operating at the time the person received the citation regardless of whether or not the motor vehicle was named in the policy.

E. Notwithstanding section 28-1598 and except as provided in section 28-4137, a person who violates this section is subject to a civil penalty as follows:

1. The court may impose a minimum civil penalty of two hundred fifty dollars for the first violation and may direct the department to suspend the driver license of the person and the registration and license plates of the motor vehicle involved for three months.

2. If a person violates this section a second time within a period of thirty-six months, the court shall impose a minimum civil penalty of five hundred dollars and may direct the department to suspend the driver license of the person and the registration and license plates of the motor vehicle involved for six months.

3. If a person violates this section three or more times within a period of thirty- six months, the court shall impose a minimum civil penalty of seven hundred fifty dollars and direct the department to suspend the driver license and the registration and license plates of the motor vehicle involved for one year.

I hope this helps.

IAAL




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