I got rear ended yesterday and when I was pulling out my insurance info I realized my car insurance expired last month. I barely drive so I forgot. But I ended up going to the ER because of severe neck and shoulder pain they referred me to a chiropractor but this isn't covered under my health insurance. The questions I want to know is will I get in legal trouble because of my insurance situation? And am I somehow able to get my chiropractor bills paid for because this is going to get costly. But I need to because I am having severe muscle strains.
Then make sure you have active insurance with at least 300/300 and UM/UIM for your next accident.
Contact a local experienced personal injury attorney. Consultations are typically free. The lack of insurance may result in a citation. However, this is usually given at the scene so if you did not receive a citation for failure to provide proof of financial responsibility (insurance), you may have dodged a bullet. Get the insurance reinstated. An experienced personal injury attorney may be able to get the chiropractor to wait for payment until your case is resolved, this will lesson the burden on you. Best of luck!
Go to a healthcare provider who is covered under your applicable insurance.
Consult a personal injury attorney regarding your injuries and your insurance issues. If you were not given proper notice of the expiration of your policy, you may have coverage. An attorney should review this for you. If other household members are relatives of yours and have UM insurance, you probably will have coverage under their policy. Again an attorney needs to review the coverage issues.
Legal Disclaimer: If this information has been helpful, please indicate below. Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
Regrettably by Statute you have no claim for this accident whatsoever. The statute is: NJSA 39:6A-4.5 Loss of right to sue for failure to insure, for DWI, for intentional acts.
a. Any person who, at the time of an automobile accident resulting in injuries to that person, is required but fails to maintain medical expense benefits coverage mandated by section 4 of P.L.1972, c.70 (C.39:6A-4), section 4 of P.L.1998, c.21 (C.39:6A-3.1) or section 45 of P.L.2003, c.89 (C.39:6A-3.3) shall have no cause of action for recovery of economic or noneconomic loss sustained as a result of an accident while operating an uninsured automobile.
You will only get in trouble if it is discovered that you were driving without insurance. You can use your health insurance, but you must choose a doctor covered by the plan.
Please use this experience as a wake-up call and make sure your insurance is always in force!
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