I was driving to work and traffic came to a complete stop, the car in front of me used to shoulder to avoid an accident and I moved over a little farther and ran over a pole and damaged part of the guard rail. I had a lapse in insurance coverage but had it reactivated for the next day, but I am unsure what to expect and CHP gave me a notice with the case number for the damage, but I haven't heard anything yet.
You can expect to receive a letter from the State of California demanding payment to cover the repair expenses for the damage that you caused to the pole and guard rail. Hopefully it will be one of those things that slips through the cracks, but don't bet on it. The basic time frame to bring a lawsuit for property damage in California is three years from the date of damage, according to the California Code of Civil Procedure. If they contact you and you ignore them or refuse to pay, your next hope is that they don't file suit against you within three years so that you can argue that they've blown the three year time limitations and you therefore owe them nothing. If they contact you within three years and you don't have the money to pay the damages, tell them. Paint a bleak of a picture as possible (always being careful to tell the truth) in hopes that they will determine that you are judgment proof (not worth pursuing) and will therefore write it off. If you must pay these damages, you can also enter into a payment plan with the state's collection agency.
You can expect to be responsible for the damage. I am glad that you reactivated your insurance, but it won't cover this incident.
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you can expect to pay a huge fine and for all of the property damage. The fine will likely be reduced based on you having secured insurance. Good Luck.
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