Can I recover for the damages to my car if I had no insurance but the other driver was at fault?

Asked over 3 years ago - San Diego, CA

I was rear-ended but my insurance had lapsed without me realizing. They informed me that I was not covered and my car was reposessed as I was still making payments on it. The other driver was at fault, and now I am stuck without a car. Can I recover from the at-fault driver? Also, is there anything I can bring to the insurance company for not notifying me of my insurance lapse?

Attorney answers (4)

  1. Thomas Gerad Lewellyn

    Contributor Level 13

    Answered . You can still recover for the damages to your car even though you were not at fault. The other person's insurance company should cover it. With regard to your insurance company not notifying you, I would recommend that you contact a lawyer who handles bad faith insurance in your area and is knowledgeable about the reporting requirements.

  2. John Winston Phillips

    Contributor Level 12

    Answered . You will be able to collect actual damages, meaning the cost of your medical bills, property damage, etc. However, since you did not have insurance, California Civil Code section 3333.4 will probably prevent you from being able to collect non-economic damages (i.e. pain and suffering). Here is a link to the rule:

    You should contact an attorney as soon as possible.
    (818) 348-9515

    Disclaimer: This answer does not constitute legal advice. I am admitted in the state of California only and make... more
  3. Brian C. Pascale


    Contributor Level 18

    Answered . Check with an attorney for the specific rules governing insurance carriers' notice to their insureds regarding lapses in coverage. You can still bring an action against the other driver for your property damage and personal injury though.

    Mr. Pascale is licensed to practice law in the State of New York. The response herein is not legal advice and does... more
  4. Daniel Paul Buttafuoco


    Contributor Level 16

    Answered . I agree with the other attorneys

Can't find what you're looking for? Ask a Lawyer

Get free answers from experienced attorneys.


Ask now

28,492 answers this week

3,122 attorneys answering

Ask a Lawyer

Get answers from top-rated lawyers.

  • It's FREE
  • It's easy
  • It's anonymous

28,492 answers this week

3,122 attorneys answering