Denise Susan Schwanz Fullerton's Answers

Auto insurance

Fault and insurance coverage are separate issues. Lack of insurance coverage has nothing to do with a determination of who was at fault for causing a collision, and therefore is not factored in when deciding whether or not you need to pay. Fault is not necessarily black and white, and can be split (for instance, fault could be split 70% on the other driver and 30% on you). The 30% (or whatever percentage) on you would be based on driving conduct, not active insurance. There are potential...