What happens if you have no insurance but the other driver was at fault?

No Insurance, But Other Driver at Fault
Generally, the same thing that would happen if you did have insurance. Although every state has different insurance laws, fault is not determined by who has or does not have insurance. This is a common mistake. However, all states have penalties for driving uninsured and in most states, they can be severe. Penalties such as license suspension, heavy fines, road crew assignments, etc. This is in addition to the increased cost of your insurance. But, this is true whether you have an accident or not; simply being pulled over for any traffic violation will have the same result. And if you did cause the accident? Oh, man....

Here are more opinions and answers from other FAQ Farmers:


In the cases where the other driver was at fault, they (or their insurer) should pay. However, YOU will have to submit the claim to their insurance carrier. And their carrier will say they are not going to pay because yada-yada-yada. So then you have to sue. In most jursidictions, each driver will collect from their own insurance company and the companies take care of all the nasty stuff.

I was just in an accident and immediately began calling attorneys. Get an attorney, and don't just handle it yourself. Try to go for a traffic law attorney and claim for personal injury. Whatever you do don't give a statement to the insurance company and don't let them talk to anyone but your attorney. They may seem nice, but they aren't your friend, and you really can view yourself as the enemy toward them. I was told the insurance adjuster would be out there by today, and they still haven't come. The car accident happened almost a week ago and my car is sitting out in a lot uncovered with the interior exposed. Get insurance if you can, even liability, because at least you'll have help from an insurance company that's willing to deal with the issues for you.