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What to do when you hit someone and don't have insurance

  1. #1
    Cheyes Tuskegee Airman
    SWIM hit someone and the bill to repair it for the other guy is like possibly gonna be 10 grand give or take and he can't pay that. Luckily he lives in a no-fault state which means everyone is required to carry uninsured driver liability, and I think it's supposed to be harder to sue people because of no-fault, but I'm not sure.

    SWIM offered to pay when he thought it was going to be only a couple grand but now he's unable to pay without taking out a huge loan he can't afford. Is going through the legal process going to be somehow more affordable here? The only other things he could really do is agree to make payments to the other guy if he's willing to accept that, which seems unlikely given the cost of everything upfront; or he can ask the other guy to make an uninsured driver claim and let SWIM go, and honestly given the circumstances that's really the best thing he can do unless his rates are about to go up.

    What would SWIY do?
  2. #2
    cigreting African Astronaut
    It all depends on your state but if I were you I wouldn't pay a fucking thing. I have uninsured and underinsured motorist coverage but that is not required by law in my state. I have it for exactly the reason you described.

    Back to the original point though, this guy will get his vehicle fixed and will cost him little to nothing, less his deductible. What will usually happen is you will get a judgement on you through small claims court by his insurance company and in most cases it doesn't mean shit unless you go apply for a loan
    The following users say it would be alright if the author of this post didn't die in a fire!
  3. #3
    cigreting African Astronaut
    Your going to have to also get sr22 insurance if anyone will even cover you for a year or 2 at least
  4. #4
    mmQ victim of incest
    Sounds like a rape/murder is in order.

    Or if you have is info you could get his home address and then just wait in the bushes outside his house for him to leave on morning in whatever vehicle he's using and then spring out in your jogging gear and let him run you over.
    The following users say it would be alright if the author of this post didn't die in a fire!
  5. #5
    snab_snib African Astronaut
    you should become a slave to the person you've wronged in order to make it right.
  6. #6
    cigreting African Astronaut
    Originally posted by snab_snib you should become a slave to the person you've wronged in order to make it right.

    ya suk his n his wifs dik daily
  7. #7
    AngryIVer African Astronaut [my jade controlled morrigan]
    Originally posted by Cheyes SWIM hit someone and the bill to repair it for the other guy is like possibly gonna be 10 grand give or take and he can't pay that. Luckily he lives in a no-fault state which means everyone is required to carry uninsured driver liability, and I think it's supposed to be harder to sue people because of no-fault, but I'm not sure.

    SWIM offered to pay when he thought it was going to be only a couple grand but now he's unable to pay without taking out a huge loan he can't afford. Is going through the legal process going to be somehow more affordable here? The only other things he could really do is agree to make payments to the other guy if he's willing to accept that, which seems unlikely given the cost of everything upfront; or he can ask the other guy to make an uninsured driver claim and let SWIM go, and honestly given the circumstances that's really the best thing he can do unless his rates are about to go up.

    What would SWIY do?

    I got in an accident without insurance in a "no-fault" state and got sued by the insurance company, lost my license, and had to file bankruptcy to get it back.
  8. #8
    MexicanMasterRace Dark Matter (banned)
    Originally posted by AngryIVer I got in an accident without insurance in a "no-fault" state and got sued by the insurance company, lost my license, and had to file bankruptcy to get it back.



    Also Cheyes is dead why are you responding to him
    The following users say it would be alright if the author of this post didn't die in a fire!
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