QUESTION
Could My license be suspended or anything like that?
Asked on Jan 17th, 2021 on Traffic Violations - Colorado
More details to this question:
I was in a small fender bender accident yesterday it just scratched the other vehicle. But I was unable to provide insurance at first until the end when I was finally able to go I got my insurance pulled up but it just started that day and I'm not sure if it was active the time of the accident cause I guess I got some paper work and that I didn't get signed. I was able to provide insurance before i left and the start date was yesterday when it happened. I have filed a claim and all with insurance waiting for more on that. I did get a citation for careless driving and for failure to provide insurance and I have a court apearnce for that. If the insurance won't cover the accident which which barley caused damage. I did have insurance that day not sure if it was active when I got in accident. It's on a vehicle I purchased from my friend the night before
1 ANSWER
Criminal Defense Attorney serving Boulder, CO
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Insuarnce policies normally note the date and time the insurance began. If you bought the insurance after the accident occured, it likely will not cover the accident damages if you were at fault. Look at the policy or ask your agent when (what time of day) the coverage began. IF you did not have insurance, then you likely will get a letter from DMV that will say your license will be suspended unless you provide proof you have insurance by a given day (normally 10 days or so after you get the letter - and the letter comes by US mail so watch your US mailbox for it). But providing the proof PRIOR to the 'effective date' of the suspension listed in the letter will result in NO supension.
It is possible, if your insurance was not in place at the time of the accident, that your friends insurance was still vlaid and as a 'permissive driver' you should be covered.
In court, if you did not have insurance at the time of the accident but do have it by the court date, many prosecutors will still want a guilty plea to no proof of insuance charge, but the fine will be less because you now have insurance.
Answered on Jan 18th, 2021 at 9:01 AM