Should you report an accident that wasn't your fault if you do not have insurance?

Answer

Of course. If, as you say, the other driver is completely at-fault, that driver's insurance would still owe for your damages, whether you carry insurance or not.

Look at it this way: You have insurance, another driver backs into you, he's at-fault. You make a claim with his insurance and never even notify your own carrier. It's basically the same thing (though it's somewhat crazy to be driving around without insurance. If you plan to continue this, I hope you have some major assets you can liquidate when the bills start pouring in).

First answer by ID0000000000. Last edit by ID0000000000. Question popularity: 122 [recommend question]