Legal Question in Insurance Law in California


my friend made an accident with my car and my car insurance was not active at that time and neither he had an inurance. it was the other partys fault for the accident as they hit my car by breaking a red light. police report was also filed and my frnd exchanged insurance details. we contacted the others partys insurance and claimed for our car.however my insurance said us that it was not responsible for any claims against them as the policy was not in effect at the time of accident. and looks like the other party insurance guys cannot claim my insurance provider as it was their mistake for the accident. the other party insurance agent came to my home and took photographs of my car and said that ''we will investigate it and let u know the amount of loss in couple of days if we confirm that its our mistake.'' and today is 12th day and am filing the SR1 today.will there be any problem from dmv as i state in the form that my insurance was not effective at the time of accident. and the other question is will the other partys insurance come to know that my insurance was not in effect at the time of accident and will they deny paying me the money.

And how far is my licence and me is safe as the accident was not made by me and it was my frnd.i was not in the state.

Asked on 5/23/11, 4:57 pm

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1 Answer from Attorneys

Michael Stone Law Offices of Michael B. Stone Toll Free 1-855-USE-MIKE

Since you didn't have insurance, you will have to take the other driver to court for your damages. Don't hold your breath waiting for the other party's insurance company to pay you, they won't.

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Answered on 5/23/11, 5:12 pm

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