I swerved to miss a car that stopped suddenly at a light that turned yellow and hit a light pole and had no insurance
You would have to pay for all damages out of your own pocket.
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Likely, if there was a police report made, you will have to pay the City for the damage to the light pole. Further, if you got a ticket for no insurance, you will have to go to court and then show proof of insurance and then make sure you maintain insurance for a certain amount of time.
I hope this helps-
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If you had property damage coverage on your car, your insurance company should pay for your damage (and for any damage caused to the pole-since the local utility will likely want to get paid for its repair as well). As for "consequences", depending on the carrier, you may see a rate increase.
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Report to your insurer and it should be covered.
Stephen L. Hoffman
Law Office of Stephen L. Hoffman LLC
This answer posted on Avvo is for informational and educational purposes only. There is no attorney-client relationship created or formed and you should not rely on this as legal advice. The suggestion is made that if you wish to protect your rights, you consult with an attorney immediately.