What should you do if you are in an accident to no fault of your own in which you suffer a total loss in vehicle, but you don't have any insurance?

by Nira
(Blackwood NJ)

Hello, I was recently in an auto accident in which I was driving southbound on the high way and a truck in the neighboring lane claimed to not have seen me and hit me which drove my car into the right side barrier, which from that impact drove me to the left side barrier.

Needless to say the car is said to be totaled. per the officer, the other vehicle is acknowledging total fault.

Now here it is where it gets tricky, the vehicle was not my own, I do have my own insurance as well as a valid NJ license. Also, as of three days prior, my friend was dropped from her insurance which neither of us were aware of at the time. she only realized it once she went online to file a claim. she says after realizing this, she saw a notification of being dropped via Email n was making a payment non prior to this all.( saw in other similar cases that this info might help) I'm a lil banged up but more so worried about my friend for she is still paying on the car.. What should I or she do(if anything)?


she's had her progressive insurance since 2008 and was drooped apparently the 19th of this month, the accident occured today the 22.

I am not in her household or on her insurance just merely using her car.


Answer to what should you do if you are in an accident to no fault of your own in which you suffer a total loss in vehicle, but you don't have any insurance?


Hello Nira,


You need to talk to an attorney. The question is why was she dropped? What really happened? There may be coverage and this is why an attorney could be handy.

Regardless, the vehicle was damaged by someone else, so their insurance company should pay for the damages and repairs. Unless they are claiming you were at fault in any fashion.

Also, your own auto policy may cover her vehicle. Do talk to a lawyer about this.

Regarding your injury, see the form below to get a better evaluation of your damages.