Maybe the couple swerved into the OP's lane?

Seriously, YDI for not having insurance which, by the way, is ILLEGAL NOT TO HAVE. If you had insurance this would only cost you whatever your deductible is.

While it's moronic to not have insurance, there are places where it's not mandatory. Also, where it is mandatory, it's usually liability insurance that is mandatory, it's rarely mandatory to have insurance to cover your own damages.

maybe the lights were green on his road so he went and the couple went when they had the red light and he hit them on their side, or maybe it was head on when they were on the other side of the road and they went into his lane and hey had one of those cages that go on the front of the car. I know those were banned but my mum had a car and it was allowed on the front because it was made before they were banned and they dont make to take it off. You have to think of these things.

A lot of insurances don't cover everything. Maybe he can't afford every type of insurance and just has basic.

People are missing th FML here. OP crashed his car and didn't have an insurance because he HAD the car for 4 hours, which means he WOULD have made the insurance policy the next day or something.

I know in California you need to have proof of insurance or something to buy a car. At least i think so since I know they asked my dad for it when he bought a new car.

If you already own a car: your existing car's insurance covers any new cars you buy for 30 days. If you don't already own a car: you can't buy a car without obtaining a "binder". That binds you to buy insurance. That would cover your car from the moment you bought it until you finished buying the insurance. There's no reason/its illegal to be uninsured from the moment you bought the car. Of course this is only liability.

The op had the car for 4 hours. This meaning, he could have been going to get his insurance or he had not had time to get insurance on it yet but had to drive it because maybe it was his only means of transportation. This happened with my car except I was pulled over cause I didn't have a plate yet and they then checked for insurance. They understood the circumstances and I went and got insurance proof and the plate later that day. Think of different scenarios before you click FYL or YDI

He only had the car for four hours..... Maybe not enough time to get car insurance? Should have called the general! Lol

this. Y.D.I.

You need liability insurance in most states, but that doesn't cover your own car. If it was the other driver's fault, their insurance should cover it... IF they have any. Car loans almost always require comprehensive insurance. If it was a used car, then it's possible that the OP paid cash and therefore didn't need full-coverage insurance. Besides, even with full-coverage insurance, there are deductibles to consider. It's possible (but unlikely) that there's a $3,000 deductible. It's a FYL in any case.

Not necessarily. If they were in the highway and they swerved directly in front of/stopped suddenly there's no way op could slow down in time to avoid rear ending them. Just because the law says it's your fault doesn't mean it's your fault, insurance is just lazy like that.

im pretty sure they were gettin jiggy with it on da street and then the OP tried to avoid them and hit a concrete wall

A lover's spat is an argument.