Question

If I hit someone and they don't have car insurance is it still my fault?

I was pulling out of the parking lot at work to deliver food when I had an accident. I looked to my left to see if it was clear and it was. But when I pulled out, I hit a car that was stopped in the middle of the road. I did not see them beforehand and I slammed into the passenger side rear door and the middle of the car. Am I still at fault if they don't have insurance?

Jun 16, 2019 Lancaster, PA

Answer
Ross Martin

Jun 16, 2019

If you're determined at-fault in the accident, you are responsible for the other driver's damages regardless of whether or not they're insured. You might be thinking of no-fault insurance, which Pennsylvania has voluntary participation in. This only refers to bodily injury damages and thus wouldn't apply here. Furthermore, since you were technically working when the accident occurred, your employer may have insurance coverage that will cover you. It should be noted, however, that some do not. Your insurance company will almost certainly ask about the nature of your accident. If you only carry a personal policy (as opposed to a commercial one) then you may run into some trouble. For more information on delivery insurance, check the link below:

Related Questions
Other people are also asking...

Why do I have to pay a deductible if I was hit by an uninsured driver?

Unfortunately, recovering the cost of your deductible, if the other driver is uninsured, is up to you. I would definitely recommend asking to speak with a supervisor at your insurance company to see if you have any other options available, but you may have to pay the deductible simply to start the repair process.
Apr 21, 2017 Palmer, AK

Why does my dealership require my lienholder/bank be listed on my insurance to take my car home?

When you finance a vehicle it is owned by the bank or lender until you have paid the full balance of the loan. The bank or lender requires that they be listed on your insurance policy before you take possession of the vehicle so if the vehicle happens to be totaled as soon as you drive off the lot, or at any point in time during your loan period, your insurance provider knows to pay them first to cover your balance.
Apr 15, 2016 Pittsburgh, PA