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Message: <blockquote data-quote="Gaius" data-source="post: 426068" data-attributes="member: 3589">As a police officer, I can tell you right now that this is exactly why I always cite people for failure to carry mandatory insurance on their vehicles.  Because of situations like this.  If you can't afford insurance, you can't afford to drive.  Period.  Get a copy of the bus schedule.  Purchase a bicycle.  Walk.  Because driving obviously is not an option for you at this point.Ashrem, let me also go on to say that there isn't much for you to do from a criminal standpoint.  While I'm not all that familiar with the revised statutes of Alabama, I do know that traffic law is fairly similar across the nation.  If the police were called to your accident, then they most likely issued the other driver a citation for failure to have mandatory insurance.  In cases of injury accidents, that typically constitutes a criminal offense (misdemeanor of some sort).  That said, you don't need to press charges or go bothering the police.  They likely handled it to the extent that their policy allows.  I emphasize this because I've had motorists ball me out before because they felt that I should make an in-custody arrest or something because the other driver is not insured.  They felt like I was letting the guy off the hook.  It's a small crime in the scheme of things.  Very small.  A citation is about all that's going to come of it.  Don't get too bent out of shape if it seems like the police aren't doing much about it.  That's the way of things.  If the other driver has warrants, that's cool, but again, nothing that you can do about it.It's a civil matter, plain and simple.  Contact a lawyer if you want, but it probably won't do any good and will just cost you more in the long run.  As much as it may piss you off, this person's going to skate by with little fiscal responsibility for the accident she caused.  Take this up with your insurance company.  Like someone else said, look into uninsured/under-insured motorist coverage.  It may seem like a crock to pay for the other guy, but it'll save you in situations like this.Oh, and as far as the value of your car goes, that's the pisser about buying a car.  It's probably the worst investment you can make, because the damn thing is bound to depreciate like a rock sinking to the bottom of a lake.  Like I said, I hate uninsured drivers.  Mostly because there's not much you can do to stop them or hold them accountable.Gaius</blockquote>

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