Got into a not-at-fault accident when I was uninsured
First, you should consider that insurance follows the vehicle not the driver. So even though your friend who was driving had insurance, you still need insurance on any registered vehicle that is on the road.
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What do I do if I can't afford to pay for damages to my vehicle?
There's a couple of different ways to look at this. If you're not leasing the vehicle, if the vehicle is drivable, and there wasn't any property damage to the pole you struck, you do not have to file a claim if you don't want to.