Dear Cop - No Insurance

What happens if my vehicle is hit by someone who has no insurance, license or registration. Does this put me on the hook for vehicle repairs and/or personal injury ? How about deductibles ? Can't really sue or charge this individual because likely all he has is in that vehicle. What if my family is seriously injured or killed in this accident?

I heard that there is extra insurance you can purchase to cover yourself in case of such an occurrence, however, I feel that why should I, who follows the law and purchases licenses, insurance etc. should have to pay for extra coverage in order to cover for someone else's negligence.

I question this because I've heard recently, much to my surprise, that many are driving under these conditions.

No Insurance
I can only answer questions in regards to enforcement of persons driving vehicles without insurance. If the police stop a vehicle without insurance, the driver can be fined $598 and no points. If you visit www.icbc.com, you should be able to have all your questions answered in regards to insurance coverage.

Constable R.A.(Richard) ASELTON
Central Okanagan Traffic Services - Media Liaison

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About the Author

Tim Schewe is a retired constable with many years of traffic law enforcement experience. He has been writing his column for most of the 20 years of his service in the RCMP.

The column was 'The Beat Goes On' in Fort St. John, 'Traffic Tips' in the South Okanagan and now 'Behind the Wheel' on Vancouver Island and here on Castanet.net.

Schewe retired from the force in January of 2006, but the column has become a habit, and continues.

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