A car swirved in front of the car in front of me causing the car directly in front of me to stop suddenly, I slammed into his car and totaled out my vehicle (Pontiac Montana). My insurance expired last month and I did not renew (financial problems). The van is leased and I am still making payments, what needs to happen on my part and what needs to happen on the leasors part? If I am obligated to still pay the leasor should I ask for a car of less (much less) value to have transportation back and forth to work to make sure they continue to get paid?
You're at fault and without insurance, so you're going to have to eat this entire loss. It's hard to believe that the same collision that totaled your car didn't damage the car you hit, but you're lucky if that's true, and also lucky if the driver of the car you hit wasn't injured.
As for your lease, you presumably agreed to maintain insurance on the car and you didn't, and you need to review the lease to see what the parties rights are, but you're probably going to be responsible for paying the lessor the value of the car at the end of the lease, if this was a closed end lease.
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Real Estate Attorney
you are stuck on the lease
Lessor will file a claim with their insurance company and get paid value of car
at some point insurance company will come after you for what they paid to Lessor
in between you still owe on the lease payments and you need to find new transportation
AND the BMV will probably suspend your license for a year for not having insurance
sorry to provide all the bad news