In an Accident That is Not My Fault, Will I Get Paid if I Don’t Have Car Insurance
Reader’s Question:
Hi, I’m a driver and I live in Washington. If I figure in a road accident that’s solely the fault of the other party, will I get paid for the repairs to my car by that person’s auto insurance even if I don’t have car insurance?
Lynda
Bellevue, WA
Hello, Lynda. Let me comment outright on your saying “if I don’t have car insurance”. I hope it’s just an imaginary scenario for the sake of discussion and not really your case. Not having car insurance is a violation of the law in Bellevue Washington WA and all states of the USA. I’m sure you don’t want to be a violator, do you?
Based on the scenario you painted (particularly “a road accident that’s solely the fault of the other party”), I’d say yes, you might get paid if the other party carries liability auto insurance coverage in Bellevue Washington WA. The auto insurance carrier of that person is the one that pays for your car damage.
If your opinion turns out to be wrong and the fault is really shared, like 70% for her and 30% for you, then here’s how it goes. The other driver’s auto insurance will answer for his/her part of the damage. As to your share, it depends on whether the other driver has also uninsured motorist coverage in her auto insurance policy, which is only optional in all states.
If indeed you don’t have car insurance, get one immediately. Enter your zip code on the form you find on this page. This leads you to auto insurance price information that can be of great help to you.