The answer is "no." Even if the worst should happen and the police decide to bring charges against you for driving without insurance, that won't prevent you from bringing a claim against the at-fault driver. You have a right to bring a claim – and file a lawsuit, if necessary – simply because you were hurt by someone else's negligence. Even if you failed to insure your car, this was not the cause of your accident – and therefore, it cannot stop you from making a claim and winning. Of course, there are disadvantages to being without insurance in that event – for example, insurance can protect you if the at-fault driver lacks insurance to pay you. But just because you lacked insurance yourself, should not stop you from pursuing a claim for personal injury.
If you have questions about your own potential personal injury claim and insurance, you should contact the attorneys at Chaikin, Sherman, Cammarata & Siegel, P.C. for a free consultation.