I was driving my mother's company vehicle when I got into an accident. The car I was driving did not have any insurance on it. I have full/comprehensive coverage on my two personal vehicles, however. The BMV is now threatening to suspend my license until I pay all alleged of the damages and for failure of non-compliance. I was cited and pled no contest to the traffic violation. How can I keep my license or at least get conditional privileges for work? Do I need to ask a court? The license is or will be suspended administratively.
Did you report this matter to your auto insurer? Did you show your proof of insurance to the BMV? Did the injured party take a judgment against you? There are a number of things that don't add up here. If you had liability coverage you should have been protected. I would IMMEDIATELY report this to your auto insurer and I would show proof of insurance to the BMV as it relates to your license suspension issue. I'm reading between the lines here and thinking that perhaps a lawsuit was filed against you, a judgment by default was obtained and the matter was then sent to the BWV. If you had auto insurance at the time of the accident that should not have happened barring some unusual circumstances.
It is curious that a company car does not have coverage. You should notify your insurance company right away so they can investigate the claim and contact the BMV office that you have coverage. You may want to get a lawyer to help the process. Do not wait any longer to address this, it will only make it worse.
This response does not constitute legal advice and does not create an attorney-client relationship. Legal problems and solutions depend on their unique facts. Due to the complexity and ever-changing nature of the law and to the limitations of this forum, this information may not be complete or adequate for your specific situation. Laws and regulations often differ from one jurisdiction to another. Mark E. Barbour practices in the State of Ohio.
In ohio, if the BMV believes that the vehicle you were driving was uninsured, then basically they ask you to post an amount equal to the claimed damages by the the other driver. What likely occurred was the driver of the other vehicle contacted the BMV and got the process started, once the other driver heard there was no insurance on the vehicle. Insurance follows the vehicle, but you may have coverage under your policy. Contact your insurance company ASAP. And, go to the BMV website and read about what happens in situations where you are in an accident with no insurance.
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