All the states have made it compulsory for vehicle owners to have insurance or a credible ability to bear the losses they might cause in an accident. Although there is the compulsion, roughly one in eight people drive without either, and when a driver like that gets into a car accident, the following can happen:
- The car owner will be unable to pay for medical care and property damage.
- They might face criminal or civil penalties.
- They might lose their driving privileges.
A car accident may happen for several reasons, including failing to law the right of way, not keeping enough distance from the other vehicle, alcohol or drug impairment, or excessive speeding. Albuquerque car accident lawyer can help you with any problem you might get in due to car insurance.
Depending On Your Situation, The Following Can Happen:
1. When You Are Uninsured And Have Caused The Accident
- There are various consequences of a car accident caused by an uninsured driver, which will partly depend on how severe the accident is.
- If injuries are caused, you will have to report the accident to the department of motor vehicles of your state along with the law enforcement.
- If the other driver has his papers right, they can file a claim, and their insurance company might still decide to file a case against you.
- If the other driver has only liability car insurance, you can expect a lawsuit against you.
- The vehicle damage can be recovered only if the other driver has collision coverage, but the insurance company might still sue you for reimbursement.
2. When You Are Uninsured But Have Not Caused The Accident.
- You can file a third-party claim if you are injured or have suffered property damage.
- Some states might restrict your ability to sue the other driver since you are uninsured for the damages you might suffer.
- The states that restrict you may also stop you from suing the other driver for anything other than economic losses.
- These states may also stop you from filing a case against the other driver unless your damages exceed a certain amount or if the other driver is responsible for the accident.
3. Repercussions Of Driving Without Insurance.
- State law of Albuquerque needs drivers to carry a minimum level of vehicle insurance.
- This law states that the concerned driver must pay $25,000 for the death of one person or any bodily injury.
- The concerned driver will have to pay $50000 for the deaths of more than two people or any bodily injury to more than one person.
- The driver might also have to pay up to $10,000 for any property damage that might take place.