I got in an accident and do not have insurance, Do I need to hire a lawyer?

Asked 10 months ago - Huntington Beach, CA

I was driving my dad's car and I hit the car in front of me. Their car was not severely damaged, it has a dent. My car was more messed up. The owners were very mellow and there was no injuries and no police report filed. My dad gave them his insurance information and they gave us their information as well. I am not listed under my dad's insurance yet. The car itself has insurance ,but I do not. What can I expect to happen now? Do I need to hire a lawyer?

Attorney answers (11)

  1. Mariam Mary Margaryan

    Contributor Level 15

    13

    Lawyers agree

    Answered . Your dad’s insurance should handle the claim unless you were an excluded driver on his policy.

    This information is not intended as legal advice or to create an attorney-client relationship between you and any... more
  2. David Vincent Hiden

    Pro

    Contributor Level 13

    11

    Lawyers agree

    Answered . Unless you are specifically excluded from the policy by NAME, you will be ok. You will be deemed a permissive use driver and your dad's insurance company will cover it..make sure you report the claim to your dad's carrier immediately though..

    Legal disclaimer: Please be advised that the advice provided does not create any attorney/client relationship;... more
  3. S. David Rosenthal Esquire

    Pro

    Contributor Level 18

    8

    Lawyers agree

    Answered . You do not need to hire a lawyer based on the information provided. Your dad's liability insurance covers the car and follows the car while you are driving unless the policy specifically excludes you as a driver. Let your dad's insurance take care of the claim. If you are informed that there is no coverage and the other driver is pursuing a claim against you personally, you can think about a lawyer.

    Good luck.

  4. Stephen Andrew Hamer

    Contributor Level 17

    8

    Lawyers agree

    Answered . Probably NOT. Dad's insurance should take care of it for now, unless policy specifically excludes YOU.

    BEST ANSWER I got.... and I HOPE I WAS HELPFUL!! Steve Hamer answers questions on Avvo for general information... more
  5. Steven Curtis Gnau

    Pro

    Contributor Level 11

    6

    Lawyers agree

    Answered . The insurance on the car you were driving will be the first insurance to cover the loss. If you were not an 'excluded driver' on the policy then you are likely covered under that policy. Injuries can manifest after the accident so being told at the scene of the incident that no one was injured does not foreclose the subject. Having the insurance company investigate the loss immediately will assist protecting you. So, don't delay reporting the loss.

    As stated above, this is an incomplete answer but an attempt to provide a cursory overview of a subject that... more
  6. Richard Andrew Harting

    Pro

    Contributor Level 17

    6

    Lawyers agree

    Answered . it is likely if you live in the same household as your dad you will be excluded from coverage and you will need to make arrangements to resolve the other parties damages. Having a lawyer assist is a good idea.

  7. Jeffrey Mark Adams

    Contributor Level 20

    6

    Lawyers agree

    Answered . Report the incident to your father's insurance company. That should conclude your concerns.

    Personal injury cases only; I'm good at it; you be the Judge! All information provided is for informational and... more
  8. David Brian Snyder

    Pro

    Contributor Level 14

    6

    Lawyers agree

    Answered . This situation frequently occurs with children of insured drivers. I do not believe that there will be personal liability for either you or your father must there was a reason for you not to be driving.

    David B. Snyder, Esq.
    6876 Buckley Road
    Syracuse, NY 13212
    315-451-3040
    https://snyderlf.com/Syracuse_Car_Crash_Lawyer....
    Mr. Snyder is licensed to practice in New York where he practices personal injury work in Syracuse; he cannot offer legal advice in other states. This answer is meant to be a public service and not an attempt to solicit business. Moreover, my answer cannot be considered a legal opinion of your case / inquiry. Unless I am retained in a matter and have completed a full investigation of the underlying facts and law, I cannot give an opinion on which to rely. Furthermore, unless your matter concerns New York law, I am not licensed to practice or give specific legal advice in your state.

  9. Christian K. Lassen II

    Pro

    Contributor Level 20

    6

    Lawyers agree

    Answered . Report it to your dad's insurance company to resolve.

  10. Wendy Ha Chau

    Contributor Level 13

    3

    Lawyers agree

    Answered . No. That's what insurances are for, to defend their insures' cases. I agree with all of the attorneys in this forum. Unless you were specifically excluded, you are considered a permissive user. Permissive users are covered by the insurance. Goodluck and drive safe!

    *Disclaimer: This response does not create an attorney-client relationship between you and I. I am not your lawyer... more
  11. Robert Joseph Kaiser

    Contributor Level 8

    1

    Lawyer agrees

    Answered . Your father's insurance will handle any claims made.

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