Car accident with pedestrian and I have no insurance…?

My husband never physically added me onto his insurance policy and I was under the impression that since I resided in the same household, I was covered because of that. Apparently, that wasn't so. I struck a pedestrian who, thankfully, had minor injuries and he called our insurance company to file a claim. We only found out the day before the accident that if I was placed on the policy, they (Allstate) would terminate my husband's policy because of a suspension on my license. They do not insure drivers with a suspension for 3 years and he would have to have his policy terminated if I were to be added on. Since the pedestrian has filed a claim, they will add me on and then terminate my husband's policy. Will this happen after all medical claims will be paid for and can we be insured with another company afterward? I would imagine that this is depending on each individual company's policies, but I'm just curious to see if anyone has insight on this. I live in New York, if that's helpful.

I was in a car accident yesterday NYS?

Last night I was involved in a car accident when the vehicle in the right lane tried to make a left hand turn and ran into my vehicle. The driver and her boyfriend both admitted that they were at fault at the scene. My front right light cover was smashed and the front quarter panel was dented and scratched.

They offered me 45 dollars at the scene to pay for the damages (like that would even cover the light) and I told them that I would rather have their names and numbers and get the car checked out then tell them what it would cost to fix. I also wrote down their plate number when they weren't looking. We did not file a police report, or contact the insurance agency because I am on a limited license (must be off of the road by 9 PM). It was around 7:50 and by the time the police got there and filed all the reports I would have never made it home by 9 PM so I would have had to call a tow truck to get my car and I would have had to take a cab. I did not have enough money for that.

Today I called their numbers to give them the quotes and the one number was changed. The other number worked, and the girl said she is considering contacting the insurance. I am not sure what to do in this situation. Last time I was in an accident that was not my fault (it was ruled not my fault as well) my insurance still went up and I am still talking to the other driver's insurance agency to get them to pay for the car (it happened 7 months ago).

What should I do?
Did I do something illegal?

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Filed under: Accident Lawyer Manhattan

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