I was in an accident with my license suspended it was not my fault. What will happen?

Question

I live in St. Louis, Missouri and the accident happened in St. Louis, Missouri if that makes a difference.

On Wednesday 6/1/2011 I was in an accident that was not my fault. The woman who hit me rolled through a two way stop sign and hit me while i was driving through the intersection that had no stop sign. She was an insurance agent for Farmer's. The police were called and she admitted to rolling through the stop sign to the officer. I had a warrant out on me for an unpaid ticket, and apparently in STL when they issue a warrant they also suspend your license but i was unaware of my suspended license at the time. I was also unaware that my insurance had been lapsed at the time because my wife did not make the payment on it. If i reinstate it my agent says it will not show as having coverage at the time of the accident. I was not arrested, and i had to walk somewhere to get the keys to the car back from my wife, and when i came back i heard the woman saying that she was taking this to court. My wife feels like if i was driving with a suspended license its automatically my fault. My insurance agent thinks that my suspended license doesnt matter since she admitted to the police she ran the stop sign. My mother thinks i need to contact a lawyer, but im not sure if a lawyer can help. She also wants me to call the woman now and get her to have my car taken to a body shop and give me a rental car, but i feel like i have to make a claim first.

What is going to happen in this case with my license being suspended? Will she still have to pay for my car to be fixed, since she rolled through the stop sign?

Where should I start, what moves should i make now?

Thank you for your time and help.

Answer 1

I know this can be frustrating, but the accident is your fault. No license or no insurance doesn't matter unless you live in a "no pay no play" state, which you obviously don't since your insurance found you 60% at fault. Anytime you get hit on the side while you're making a turn, the insurance would find you at fault every time regardless of their speed. I think 60/40 fault is pretty good. I hear that these types of accidents are usually 80/20 or 100/0. I think putting 40% fault to her means they believe she was speeding excessively. More than half the fault is always put to the driver making the left turn. I hope everyone is okay and there weren't any serious injuries.

Answer 2

The absolutely free reverse vin check sites generally provide fake information. To get real information, money will have to be paid. The free searches provide fake information so they can get your email address to send spam.



Stay away from shady reverse vin check sites, most likely you won't get any information after you make the payment. Not to mention you won't get a report and you won't get an answer if you try to call for a refund. Stick with a reputable reverse vin check site like http://www.reversevincheck.net that has been around since 1995.

Answer 3

DO NOT deal with the woman directly.

Go through your insurance agent. If he can't help, you need a lawyer.

Answer 4

Hire an attorney.

Answer 5

If it is her fault, she is responsible for the damages. I don't see how you can file a claim if you didn't have insurance. The insurance would not be valid while your license was suspended anyway. So you can't file a claim. You will have to threaten to take her to court. If you have a copy of the police report where she admits to running the stop sign, then you should have no problem winning the case on the damage to the car. Do you have your license back now? You cannot ask her for a rental car or sue her for lost wages due to no transportation, if you cannot/couldn't legally drive to work. In my opinion, though, she is responsible for your car.

Answer 6

you will probably be stuck for all repairs since you were driving illegally on a suspended license and had you not been on the road the accident never would have happened