Minor Accident With No Insurance

A minor accident with no insurance can often be a non-issue if neither vehicle sustained any damage. But if you file a police report for a minor accident with no insurance coverage, you may be liable for costs should the other driver's insurance company come after you. What happens if you miss an insurance payment and you're in a minor accident with no damage? Most insurance companies offer a grace period of up to ten days so it's likely you are still covered.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Nov 12, 2020

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The following is an exported forum post from our discontinued forum. If you would like to reply to this old forum post, please post a comment below.

I got in an accident today with my moms car… there wasn’t any damage to the guy’s car, and very minimal damage to mine.  We were both getting ready to drive away when a police officer pulled up and said that because it was on the city’s main street, we need to file an accidnet report.
The problem is.. I think I was late on my insurance payment and it wasn’t active for the day of the accident.
She prob won’t call her insurance company (cause no damage), but if she does, and they find out I have no insurance, what do I do?

Our Answer

This situation can either be very bad – or there might be no problem whatsoever.

First, let’s start with the good news. Many car insurance companies have a grace period for car insurance. Your car insurance won’t lapse immediately the day after you miss a payment. Some car insurance companies cancel your coverage within 24 hours of missing a payment, but most give you around 5 to 10 days to make your payment.

If you were late on your car insurance payment during the time of the accident, then you might have still been covered. It might be a complete non-issue.

How Late Was Your Car Insurance Payment?

However, not all car insurance companies offer a grace period like this. We also don’t know how late you were with your car insurance payment. If you were more than a week late, for example, or if you have a strict car insurance company, then you might not have been insured at the time of the accident.

Fortunately, the accident was minor. You said there was no damage to either vehicle. That’s great! Hopefully, that means the other driver and passengers were not hurt at all either. Sometimes, even a minor accident can cause whiplash, pain, and stiffness in the neck or back weeks after the accident.

If neither driver contacts their insurance company, then you should have no issue moving forward even if you were late on car insurance payments. Obviously, it’s very dangerous to drive without insurance in the United States, and you’re exposing yourself to significant financial risk by doing so. Consider yourself lucky for being involved in a very minor collision. A more serious accident could have been devastating without insurance.

If your insurance was not active at the time of the accident, then you might receive a citation from the police. You may have provided the police officer with accurate insurance documentation at the time of the accident showing that you were fully covered. If the police officer follows up on that report, however, and finds you were driving without insurance because of a missed payment, then you might receive a citation.

Driving without insurance is a serious offense. You may be required to appear in court. You might face significantly higher insurance payments in the future because your insurance company now considers you a high-risk driver.

Are You the Primary Driver of your Mom’s Vehicle?

The only other thing to get concerned about is how you and your mom’s insurance policy works. Are you living at home and driving your mom’s car? Is your mom the primary driver of the vehicle – and do you just drive the car occasionally?

Or are you using your mom to get cheaper car insurance payments on your own vehicle? Is the car insurance under your mom’s name – but you’re the main driver of the vehicle?

Depending on your situation, you could be committing insurance fraud. It’s illegal to list yourself as a secondary driver of a vehicle when you’re actually the primary driver.

With this accident, you shouldn’t face any consequences for messing with your insurance policy’s primary and secondary driver information. However, if the accident was more serious, and the insurance company decided to investigate, then the insurance company could rightfully deny your claim because you lied on your car insurance application.

You Were Most Likely Covered at the Time of the Accident

Ultimately, all of the information we mentioned above might not matter at all because of the insurance company’s grace period.

If you missed your insurance payment, then most insurance companies will offer a grace period of around 7 to 10 days before your insurance is canceled.

Insurance grace periods range from just 24 hours to 30 days. If your payment was late by a few hours, then you should have nothing to worry about. If you use a cheaper car insurance company and your payment was late by a few days, then you might not have been covered. If you use a major car insurance provider, however, and were able to make your payment within a week of its due date, then you were most likely insured at the time of the accident.

Be sure to make your car insurance payments on time moving forward. This situation could have been much worse.

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Other Answers

Answer 1

I hope you learned your lesson that you should never be driving without insurance (in the US).

In regards to your question, if there is no damage to her vehicle, there is no reason for her to call her insurance company, so you are fine in that regard.

What you should be worried about, however, is the police following up on the accident report.  If they check and see you don’t have any insurance, you will probably get a citation for not having any insurance.

You are lucky the accident wasn’t any worse.  Look what happened to this guy – crashed my dads car with no license, no insurance

Hope this helps!

Answer 2

If he claims off his own insurance- the insurance company may well drag

you partner through the courts to get their money back. This could cost

you a fortune in legal fees.

Answer 3

an insurance to your vehicle is quite important. As accident can happen to anywhere at anyone. If you do have an insurance then the less things you would be worry about.

Answer 4

I dont know what will the best option for you, but it is important for you to renew your car insurance policy.

Answer 5

troubles not coming by informing you so it is better to make a insurence before drive a car. make sure that you should pay the payment on the right time.

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