Question: I recently got in a car accident and I have no insurance but the one who hit me has insurance what will happen? I have no insurance and it was not my fault.
Answer: Not having insurance when the other party is at fault has no lasting impact on your claim for damages. For some things, like damage to your car and medical bills, it is sometimes quicker and easier to go through your own insurance company. However, one way or another, the insurance for the at fault vehicle is the ultimate payer. In this case, it will pay you directly, rather than reimburse your insurance company. In addition, it is still responsible for things like compensating you for your pain and suffering, which your insurance company would not have been responsible for any way. You really do need to see an attorney, as the insurance company will go out of its way to convince you that your recovery is limited in ways that it is not. For example, here inMassachusetts, the insurance company will try to take a “PIP Offset” which it is not entitled to. That is to say, that it will try to offset the medical bills your insurance company would have paid had you have had insurance. It is always a best practice to see an attorney when you are injured in an accident, but even more so in your case.