Auto Insurance Claims: BUT.............., can we settle

Question
QUESTION: A FRIEND OF MINE WAS INVOLVED IN AN AUTO ACCIDENT, THE PERSON WHO WAS AT FAULT WAS CITED, SHOWED PROOF OF INS.,MUCH TO MY DISMAY FOUND OUT THEY CANCELED THEIR POLICY 24hrs., PRIOR TO THE ACCIDENT. ON ,MY POLICY I"REJECTED" UNINSURED.......... NOW WHAT???????????? MY CAR IS TOTALED, MEDICAL BILLS AND ETC..

ANSWER: Carol,

   There's not a whole lot that can be done in this situation.  In most states, if there is a police report and the damages are of a certain amount or if there is an injury, then the at fault party can lose their registration and driving privileges.  

   If you don't have coverage for your damages, and the other party doesn't have coverage for your damages, then there's not much to say.  I'm sorry.

---------- FOLLOW-UP ----------

QUESTION: THEY SHOWED THE POLICE PROOF OF INS.,LEGALLY CAN WE SEND THEM A LETTER TO SEE IF THEY WOULD SETTLE OUT OF COURT

Answer
I can't give legal advice, but I am aware of no law that restricts to people from settling their differences voluntarily, regardless of whether they have insurance or not.  What you can't do is settle with your insurance and with the other party.

JP