two cars damaged after an accident

Help! I Got In A Car Accident with an Uninsured Driver

Every driver should drive as defensively as possible. This would be realistic in a utopia where no one gets aggravated when someone takes a second too long to start moving after the light turns green. Humans, sadly, are fallible. Perhaps you were running late and you had to drive a bit faster than usual to get to work on time. Or maybe you decided to keep checking your phone for that important email. Next thing you know, you’re in a fender bender, rollover, or anything else in between. Or let’s say you drove to work and remained completely aware of your surroundings, driving at or below the speed limit and signaling whenever you changed lanes.

Accidents Happen, Even to the Safest of Drivers

Even if you drive as safely as possible, you won’t be able to stop another individual from hitting you. Let’s say this happens and you notice your vehicle’s entire rear bumper breaks and falls off; your left rear tire is bent inwards; your headlights are decimated. Simply put, you won’t be able to drive your car any time soon. You’re dazed and a bit frazzled but you’re able to call the cops.

While you wait, you get out of your vehicle and walk over to the person who hit you and attempt to exchange information. The person who hit you is a young man in his early 20s. He has a short, unkempt beard. His hair is tied up in a messy bun, and he’s lighting up a cigarette. You think that at this present moment, you could go for a cigarette as well, but you decide to remain calm and mature.

You ask the young man for his name and insurance information. Up to this point, the situation hadn’t really sunk in yet. Sure, you experienced some shock but, being a realist, you were able to push that away and get to work, so to speak. But when the young man says he doesn’t have insurance, the damaged world you were holding up so valiantly crumbles.

For a few brief moments (which feel like an eternity in your mind) you’re unsure about how to proceed. Then the police sirens bring you back to the present moment. You look at the young man, who is now staring out the passenger window as he exhales the smoke from his cigarette, and your heart sinks a bit deeper as the words “lost cause” repeat over and over in your mind.

Remember, You’re Not Alone!

You walk back towards your half-destroyed car. A police officer comes up and asks you for your information. You provide it but you’re still in a daze. Then, you have a moment of clarity. You recall a blog you read a few weeks ago that remarked the exact situation you find yourself in now. In fact, it all feels a bit eerie. The blog described the exact accident you find yourself in, almost to a T. You take this as a sign and you call the car accident lawyer from said blog. As you explain your situation, your attorney provides a bit of guidance and you schedule a meeting to go over your car accident.

The Legal Ramifications of Driving Uninsured in New Mexico

You see, driving without insurance is illegal in the state of New Mexico (under the NMS 66-5-205 Mandatory Financial Responsibility Act, which states that “all drivers must have a means to guarantee their financial responsibility in case of accidents”). Even though this Act exists as a means to ensure that every single driver in the streets of New Mexico can be held financially responsible for accidents, many drivers still drive uninsured. Violating the Act is categorized as a misdemeanor and can lead to a $300 fine or up to 90 days of jail time in addition to suspension of the vehicle’s registration.

Where to Go Next

Let’s return to the above scenario. Once the police officers speak to the other driver, and they find out he doesn’t have insurance, the officers will immediately confiscate the driver’s license plates. The other driver will be on his own legal quandary now but that doesn’t mean you should be all alone. The other driver should be held responsible for the accident he caused. It is up to your car accident lawyer to guide this unfortunate situation as positively as possible.

Choose W. Shane Jennings as Your Car Accident Lawyer

Attorney W. Shane Jennings has been working in the southern New Mexico area for many years, so he’s seen his fair share of car accidents, especially those in which one driver (or both!) was uninsured. The road ahead will be arduous but that doesn’t mean you have to go it alone. With the help of a reputable car accident lawyer, you’ll be back in the driver’s seat in no time.

Give us a call or save our office’s phone number in your phone book today. You never know when you’ll need to call a lawyer; make sure you’re prepared for when the unexpected happens.

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