TL;DR/Cliff's:
1.) Person B gets rear-ended by Person A.
2.) Person B inspects car, says car is fine
3.) Person B calls later that night and says their bumper is "broken/cracked"
4.) No police report (police weren't called)
5.) Person As Insurance has not been notified
6.) Person A who rear-ended Person B let their car insurance lapse three days before collision.
Supposing this happened in Texas, what liability does Person A, who rear-ended Person B, have?
Synopsis:
Party A is driving down the street without liability auto insurance (lapsed three days ago).
Party B brakes suddenly in the rain. Person A rear ends Person B.
Both people pull over off the street to take care of the situation. Person B inspects their car that got rear-ended and declares that there was no damage to their car. Person B further insists that the police do not need to be called, since there is no damage and they are in a hurry. Person B also refuses to take Person A's insurance information, but does give their insurance info to the person (A) that rear-ended them after a couple of requests.
Later that evening, Person B calls the Person A that rear-ended them and says that, yes, after all, there was damage to their back bumper. Person B tells Person A via email that they can handle it privately, or through their insurance. Person A suggests that perhaps Person B could report the accident to their insurance company as a hit-and-run/uninsured motorist claim. Now, 7 weeks later, Person A has apparently not done anything.
Will Person A ever be able to be held liable for the damages? Is there nothing Person B can do to get repair money from Person A? Is person A's insurance still covering them 3 days after their policy expired?
1.) Person B gets rear-ended by Person A.
2.) Person B inspects car, says car is fine
3.) Person B calls later that night and says their bumper is "broken/cracked"
4.) No police report (police weren't called)
5.) Person As Insurance has not been notified
6.) Person A who rear-ended Person B let their car insurance lapse three days before collision.
Supposing this happened in Texas, what liability does Person A, who rear-ended Person B, have?
Synopsis:
Party A is driving down the street without liability auto insurance (lapsed three days ago).
Party B brakes suddenly in the rain. Person A rear ends Person B.
Both people pull over off the street to take care of the situation. Person B inspects their car that got rear-ended and declares that there was no damage to their car. Person B further insists that the police do not need to be called, since there is no damage and they are in a hurry. Person B also refuses to take Person A's insurance information, but does give their insurance info to the person (A) that rear-ended them after a couple of requests.
Later that evening, Person B calls the Person A that rear-ended them and says that, yes, after all, there was damage to their back bumper. Person B tells Person A via email that they can handle it privately, or through their insurance. Person A suggests that perhaps Person B could report the accident to their insurance company as a hit-and-run/uninsured motorist claim. Now, 7 weeks later, Person A has apparently not done anything.
Will Person A ever be able to be held liable for the damages? Is there nothing Person B can do to get repair money from Person A? Is person A's insurance still covering them 3 days after their policy expired?
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