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About Ron Cercone
Expertise
How to handle automobile total loss claims. I am the president of UClaim and contribute to InsuranceClaimHelp.org .

Experience
28 years adjusting claims since 1980. 15 years for insurers. 14 years for policy holders as a public adjuster since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim .

You are here: Experts > Autos > Auto Insurance > Auto Insurance Claims > Rear ended

Auto Insurance Claims - Rear ended

Expert: Ron Cercone - 11/1/2009

Question
We were stopped on the freeway and were rear ended by a group of teenagers. They asked us if they could say that one of their passenges was in our car because they had to many, they also changed drivers. This was all told to the CHP. My question is that we were in the process of changing insurance companies. Since I do not have insurance am I at fault or are the for running into me.

Answer
Lyndsay,

These are separate issues. The fact you were without insurance does not excuse the teens for liability for damages to you, unless your state has some penalty for that. Also check to see if you have a "grace period" on your insurance policy, usually 15 or 30 days of coverage after the expiration date.

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