Uninsured driver in incident,who thought he was insured and can not pay the claim against him?
Answers:
do you have uninsured/underinsured motorist cov? if yes- you collect from your own insurance company.
police matter and then on to the small claims court probably end up with a CCJ against them.
You poor thing. If he accepts liability and is not insured and also cannot pay then I am pretty sure you are just left with pursuing him via the courts to try and get the money from him. I hope he is being prosecuted for driving uninsured. Not 100% sure - try speaking to your own Car Insurance company to see what advice they give.
go to www.mib.org.uk
If your question is that you don't have auto insurance, and you are responsible for an accident..then simply tell the other party that you don't have auto insurance, they will have to go through their own insurance, and once the claim is paid and closed they will contact you to set up an interest free type of payment plan to reimburse the debt. Sometimes they can even negociate a lower payment of a one time lump sum to close out the debt. Most companies will accept as little as $25-50 a month from you as long as you pay on time every month, no judgements will be placed on you and the payments are interest free.
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