Published On: Sat, Dec 15th, 2018

Deciphering the Mystery: What Happens if You Get into a Truck Accident Without Insurance

Driving without insurance is a risky game to play. If you become involved in an accident that was your fault, you could put ruin your personal finances for the rest of your life through astronomical compensation payments and fines.

But at the same time, driving without insurance doesn’t absolve you of your legal rights. If you were involved in an accident with a truck that wasn’t your fault, you are still entitled to pursue legal recourse, despite not having auto insurance at the time of the accident.

Truck Accident

For more information or if you want to pursue legal action following a truck accident without insurance, contact a semi truck accident lawyer today.

Debunking the Myths Around Non-Insured Drivers

If you are involved in a truck accident and are not at fault. You can relax. The fact that you don’t have insurance shouldn’t have any bearing on your case.

In this instance, the best thing to do is begin gathering evidence as quickly as possible. This means taking down the details of any witnesses who may have witnessed the accident, recording the license plate numbers, and taking photos of the damage done to any vehicles or people.

The more evidence you have od the circumstances surrounding the collision, the stronger your personal injury claim against the party responsible will be.

Your own auto insurance is not required in the filing of a personal injury claim. This is why, providing you are not at fault, the fact that you are uninsured will not impact your right to legal compensation.


There are several states which have, “no pay, no play” laws. These states prevent uninsured drivers from submitting any personal injury claims which cannot be quantified with a numerical amount.

In these states, even if the accident wasn’t your fault, you cannot sue for unquantifiable damages. Unquantifiable damages include pain and suffering, emotional distress or mental trauma.

In these states, uninsured automobile owners may also have to pay a significant deductible towards the repairs of their vehicle.

There are also exceptions in ‘no fault’ states. These states require a party’s own insurance to pay for the damages before the party can request financial reimbursement from the party responsible. If you do not have insurance in a ‘no fault’ state, you will not have insurance to pay for the repairs.

If You Caused the Truck Accident

If you caused the accident, the circumstances change. There is no point in trying to lie or wriggle out of it at the scene of the accident. Not only is it pointless, but it looks bad in a personal injury case.

Be honest about the fact that you don’t have coverage and provide your contact details. In the event the driver files a claim, which they most likely will, the amount you are deemed responsible for paying will be calculated from your annual income and assets held.

Driving without insurance can have far-reaching negative consequences and is never advisable. If you do find yourself in the situation where you have had an accident, whether it was your fault or not, contact an attorney with extensive experience in handling uninsured truck accident cases to explore your legal options.