New Car, No Insurance? Don't Go Anywhere!

Imagine for a moment that you?ve just purchased a vintage sports car from your friend?s cousin who lives across town. You can hardly wait to see how your new toy will look parked in your driveway. On your way home, however, you have an important stop to make. You have an appointment with your insurance agent to insure this valuable new possession.

Don?t Drive without Insurance?Ever

Even though it?s a short drive to your insurance agency, during these critical minutes your vehicle is not insured. This is when an accident can cost you the most, regardless of who is at fault. Whether you run into another vehicle or someone crashes into you, you are uninsured, and therefore, completely unprotected. If the accident is your fault, you could lose your license because you have not followed proper procedure ? secure an insurance policy before getting behind the wheel.

It will be very difficult for you to dispute an accident report that is not in your favor. The other party?s insurance company may use the report against you. That company may expect you to pay for damages even when you are not at fault. That?s why you should always get an insurance binder before you drive off the lot. If, however, it?s too late and you did get in an accident before buying insurance, follow these tips to deal with the situation.

Protecting Yourself

This scenario happens more than you might think, and it is always an ugly battle. A few things can help drivers avoid a negative outcome. First, document everything possible, including any conversations or words exchanged, since they can be sent to the insurance company as evidence.

Even after submitting the necessary documentation and other paperwork, it is possible you will have to pay fees or fines. Any vehicle designed for the highway must be insured, and there is little wiggle room to argue. However, rulings in favor of the uninsured driver are not unheard of. If it?s proven he or she is not at fault, the other party?s insurance company may pay the full claim.

State Law and Liability

If you decide to file a claim, your state of residence should be a factor in your decision to accept or reject the settlement offered. Regulations in some states allow you to claim one percent of the damages if you were 99 percent at fault. In other states, you must be 49 percent or less at fault in order to collect anything at all. Make sure to research your rights before you attempt to file and collect on an insurance claim.

Understanding Negligence

There are three types of negligence, or tort, law. The first is the pure comparative law, which allows you to claim damages based on your percentage of responsibility. The modified comparative law allows you no compensation if you bear the greater responsibility for the accident. Finally, pure contributory law bars you from collecting anything if you contributed to the accident in any way.

While it is unfortunate that drivers can be caught off guard in this situation, having the right information will help you fight back against unfair claims. Take the time to research and understand your state automobile insurance laws. Don?t let other insurance companies bully you into paying for damages you are not responsible for.

Source: http://www.autoinsuranceadvice.com/insurance-articles/751/new-car-no-insurance-dont-go-anywhere/

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