What can be done to take care of the cost of my newly financed/ uninsured vehicle ?
3 attorney answers
The issues raised in your post are too complex to fully address in this format. Also, several factual matters are unclear. Firstly, if you were not present, how was it determined that a "plow truck" sideswiped your car? If you know this because police responded, then you should also have the identity of the driver/owner of the plow truck. From there, the claims process differs greatly depending whether that truck is a municipal vehicle or privately owned. Strongly urge you to consult directly with a lawyer in your area who handles this type of matter. Please do not delay, as there are strict time limitations which apply to your claims. The Avvo “Find a Lawyer” link is a good place to start: https://www.avvo.com/find-a-lawyer
How did you ever get financing without proof of insurance? This is not the standard operating procedure of any lienholder, as they need to be guaranteed that the vehicle will be repaired if it gets into any type of accident.
Since you have no insurance, you are going to have to track down the company that owns the snow plow/truck and make a claim against that company's liability insurance carrier. If you had purchased insurance as is required by law, your auto insurance carrier would be doing this for you, but since you decided to defy your state's law, you are going to have to do all of the legwork yourself.
Please do not message me for further advice or call my former law firm if you have any further questions. If you are in need of an attorney to assist you, please search for another attorney in the jurisdiction involved in your case, as I am now retired, and my former law firm is no longer handling these types of cases. I am active on AVVO and answer questions only as a public service at this point.
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