A friend of mine let his insurance lapse and was stopped at in traffic a van rear ended his car causing to hit?

car the car in front the van (ran from accident )hit and run ,could not get license number his car was totaled hardly no damage to the car in front no injury.how to pay for vehicle still financed .

police was called gave van details and person driving details and what happend.

If no one ever catches the driver of the van, and they probably won’t, no one will pay for the damage to your car.

That’s why the finance company REQUIRES you to carry insurance on THEIR car. It’s not optional. Unfortunately, these bad decisions are going to be very expensive for you this time. Just treat it like an expensive life lesson and don’t let it happen again, can’t change the past, right? Here’s one bit of advice, no matter what you’re thinking about doing, don’t stop paying on that car note just because the car’s gone.

The guy above me got almost everything right. Here are the two things they’re talking about that you don’t have to worry about.

You don’t have to worry about legal recourse from the car you were pushed into. You have no liability for their damages or injuries, the at fault party left the scene. It doesn’t mean you can just sue whoever else was involved. However, if the other person does decide to come after you and you had insurance they would handle the nasty conversations telling them that it’s not your problem.

You also don’t have to worry about your friend’s injuries for the same reason you don’t have to worry about that car you were pushed into. It’s not your fault. You’re a victim just like they are.

You do however have to worry about all of the legal recourse for operating a vehicle without insurance. License suspension is certainly a possibility.

so if i understand you… (you really need to punctuate yourself, your writing is terrible!)

you have a car chain reaction collision…

car A rear ended car B which was stopped in traffic, causing car B to rear end car C.

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Car C has no damage, no injuries… (you better hope to god, he doesn’t turn around and sue you, inside of the next months!)

car B is yours, and has heavy damage, but, you let your insurance lapse, and you still have a bank note you are making payments on.

and car A, the one that started it all, ran from the scene, and no one thought to get the tag number, call the police, or get the drivers info…

First, Car A is long gone, unless someone can produce drivers info, or a license plate number… he’s gone.

Second, Car C is out of this, unless he decides at some point, to sue you for damages or back pain… That is entirely up to him, and if i were you i would leave him alone at all costs…

Then there is you in car B… man, are you in deep guano now… Forget your license. it’s gone… suspended for anywhere from days to indefinitely for Financial Responsibility… you will automatically lose your license for not having state recognized liability insurance at the time of the accident. Then because of that, you are now in violation of the terms of your purchase agreement with the bank for your car…

which means-

YOU PAY ALL COSTS FOR THIS ACCIDENT

YOU pay for the damages to the other car

YOU pay his medical and lost income.

YOU pay for the repairs to your car.

YOU pay the bank loan payments even though the car is wrecked

YOU pay court costs, traffic fines, penalties, reinstatement fees, suspension fees, immobilization fees, and anything else they decide to charge you…

If they find you driving again under suspension before this is resolved…. then plan on jail time, and even more fees costs fines, and penalties.

doug is right–no insurance, no payment. And your friend may have issues with the DMV due to having no insurance (and with the lender on the car), even though the accident wasn’t his fault.

you get to pay for the car and the repairs. You can’t part it out or sell it for junk until you pay it off.

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  • If no one ever catches the driver of the van, and they probably won’t, no one will pay for the damage to your car.

    That’s why the finance company REQUIRES you to carry insurance on THEIR car. It’s not optional. Unfortunately, these bad decisions are going to be very expensive for you this time. Just treat it like an expensive life lesson and don’t let it happen again, can’t change the past, right? Here’s one bit of advice, no matter what you’re thinking about doing, don’t stop paying on that car note just because the car’s gone.

    The guy above me got almost everything right. Here are the two things they’re talking about that you don’t have to worry about.

    You don’t have to worry about legal recourse from the car you were pushed into. You have no liability for their damages or injuries, the at fault party left the scene. It doesn’t mean you can just sue whoever else was involved. However, if the other person does decide to come after you and you had insurance they would handle the nasty conversations telling them that it’s not your problem.

    You also don’t have to worry about your friend’s injuries for the same reason you don’t have to worry about that car you were pushed into. It’s not your fault. You’re a victim just like they are.

    You do however have to worry about all of the legal recourse for operating a vehicle without insurance. License suspension is certainly a possibility.

  • so if i understand you… (you really need to punctuate yourself, your writing is terrible!)

    you have a car chain reaction collision…

    car A rear ended car B which was stopped in traffic, causing car B to rear end car C.

    Car C has no damage, no injuries… (you better hope to god, he doesn’t turn around and sue you, inside of the next months!)

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    car B is yours, and has heavy damage, but, you let your insurance lapse, and you still have a bank note you are making payments on.

    and car A, the one that started it all, ran from the scene, and no one thought to get the tag number, call the police, or get the drivers info…

    First, Car A is long gone, unless someone can produce drivers info, or a license plate number… he’s gone.

    Second, Car C is out of this, unless he decides at some point, to sue you for damages or back pain… That is entirely up to him, and if i were you i would leave him alone at all costs…

    Then there is you in car B… man, are you in deep guano now… Forget your license. it’s gone… suspended for anywhere from days to indefinitely for Financial Responsibility… you will automatically lose your license for not having state recognized liability insurance at the time of the accident. Then because of that, you are now in violation of the terms of your purchase agreement with the bank for your car…

    which means-

    YOU PAY ALL COSTS FOR THIS ACCIDENT

    YOU pay for the damages to the other car

    YOU pay his medical and lost income.

    YOU pay for the repairs to your car.

    YOU pay the bank loan payments even though the car is wrecked

    YOU pay court costs, traffic fines, penalties, reinstatement fees, suspension fees, immobilization fees, and anything else they decide to charge you…

    If they find you driving again under suspension before this is resolved…. then plan on jail time, and even more fees costs fines, and penalties.

  • doug is right–no insurance, no payment. And your friend may have issues with the DMV due to having no insurance (and with the lender on the car), even though the accident wasn’t his fault.

  • you get to pay for the car and the repairs. You can’t part it out or sell it for junk until you pay it off.

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