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Car Insurance Question  I didn't have insurance a week ago (I do now) and hit a car backing out of my driveway. What am I responsible for or have to pay as far as her car goes? I live in Michigan.

The person's car in which you hit may be able to make a claim against their own insurance company for the damages if the owner has collision coverage. If the person does not have collision coverage on their vehicle, you willl likely be held personally liable for all the damages.

Anytime you get behind the wheel, you are responsible for all actions behind the wheel of that vehicle.

Under Michigan's mini-tort law (which an uninsured driver wouldn't classify), if you are 50% or more at fault in an accident you can be sued for up to $500 in damages to the other person's car that are not covered by collision insurance. You are still responsible, but if the claim can be made against their collision, this law may assist you. You might check with the MI Department of State to make certain this pertains to you since you were uninsured and thus different rules might apply.

In you were cited for driving without insurance when the accident took place the MI Department of State Insurance services division site states that you may be convicted of a misdemeanor and fined or do jail time or both. The court could also suspend your license and find you liable for all damages resulting from the accident.

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car insurance commentsThere is a lot more to the answer than what was provided. If the vehicle that was hit was legally parked, then the party who hit that parked car is responsible for all damages.
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This car insurance question was asked on 3/20/2006
This auto insurance answer was last updated on 4/5/2007
Shawn requested this car insurance solution.
Rated 6 out of 10 based on 2 votes.
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