If you're involved in an accident but did not have insurance, the fault plays a role. When the driver who caused the accident is responsible for the accident, you'll probably still claim damages. However, you'll be held accountable for not having mandatory auto liability insurance in your state.
Certain states, such as Louisiana might restrict your financial recovery due to the penalty that you may be subject to. It is possible to get compensation, but you won't get the amount of money you have documented for your case.
You Will Likely Face Penalties for Driving Without Insurance
Even if you didn't cause the traffic accident and you didn't cause it, you may be liable for the consequences of violating the law. Based on the state you live in the consequences could be as simple as paying a fine, getting the license suspended, and other consequences.
The penalties that you may face when driving with no liability insurance grow more severe with each subsequent offense. In the case of a first offense some of the penalties that you might face include:
Alabama
As per the Alabama Department of Revenue, infractions to the State's obligatory Liability Insurance law can result in a fine of up to $500 for the first time. A second conviction can double the amount of the fine and could result in the suspension of your driver's license, in addition.
Arkansas
Under Ark. Code Ann. SS 27-22-103. The penalty for not having an insurance policy or proof of self-insurance is $50 to $250.
Louisiana
Based on the Louisiana Department of Insurance (LDI) the penalties for not having insurance for autos that meets the amounts required for coverage range between $500 and $1000. Additional penalties can include a driver's license suspension, the impounding of your vehicle, revoking the registration of your vehicle, or taking away the plates of your driver's license.
In the event of a collision the risk of an immediate license suspension that could last as long as six months.
Mississippi
As per the Mississippi Insurance Department (MID), You could be subject to an amount of $1,000. Furthermore, a one-year driver's license suspension is also possible.
To get a no-cost consultation with a lawyer for a free legal consultation, dial (800) 537-8185
What if You Caused the Accident?
If you were the cause of an accident, but don't possess liability insurance coverage, you could be held accountable for the damage the victims sustained through your own pockets. This could cost you thousands of dollars and the court could take your assets to pay the victim. It's never worthwhile to drive with no auto liability insurance.
The costs you'll incur due to the criminal penalties are just a portion of the damages you will be able to claim in civil court. This is the case even if the damages and injuries are minor.
You May Want to Speak to an Attorney About the Criminal Penalties You Could Face
If you are concerned about a driver's license suspension, fines, or other penalties resulting from a crash when a police officer issued a citation to you for not having the proper insurance, you might want to consult with an attorney who specializes in criminal law.
A personal injury lawyer may provide some general guidance from their expertise in this field. However, they won't be in a position to represent you or contest these accusations in court for criminal in the majority of instances.
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In Some States, Not Having Insurance Could Affect Your Fault-Based Claim
Certain states penalize drivers who don't have obligatory auto liability insurance when they seek compensation for an accident caused by another driver. caused. For instance, Louisiana has a "No Pay, No Play" law. This law stops drivers without insurance from getting the full value of their claims after a collision. The laws in Louisiana restrict those drivers from obtaining:
- The initial $25,000 in property damage
- The first $15,000 of personal accident compensation will be paid out.
If this kind of law is in play in your situation Your injury lawyer will be able to explain how this will impact your financial recovery as well as what you can do to combat it.
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A Car Accident Attorney Can Help You Understand Your Insurance Claim
We invite you to talk to our firm's car accident lawyers regarding your case now for no cost. We'll explain your options for compensation, based on the laws of your state about drivers without insurance. We might be able to submit an insurance claim for auto liability that is based on the at-fault driver's policy, and obtain the driver's financial compensation or sue the driver to request the judge and jury to decide on a fair amount of compensation.
The recoverable damages may be:
- Treatment for medical conditions, as well as future healthcare requirements
- A loss of income and a diminished capacity to earn an income
- Repairs to cars and other property damage
- Suffering and pain
Morris Bart, LLC, has an attorney that can assist you with your case
We invite you to contact us today for a no-cost consultation to find out more about how an attorney at our firm can assist you through legal options. A lawyer at any of the 16 offices throughout the Gulf South may be able to assist you. We deal with claims of drivers from Louisiana, Alabama, Arkansas, and Mississippi.
Morris Bart law firm now by dialing (800) 537-8185 for a no-cost meeting with a member of the legal department.