Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 6, 2011

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Insurance Question from Grand Haven, MI

Asked on 10/06/2011

Do I have to respond to the other driver’s daily voicemails after an auto accident? I was in a car accident a month ago and every day this week the woman in the other car has been calling me trying to get insurance info. The problem is, my insurance was only pl&pd, and it came to my attention that the policy had lapsed. She called my old agent directly, who was unable to help her, and she's been calling me ever since. Based on the rough appearance of her car and the failed rear lights, I'm guessing she did not have insurance either. Do I have to speak directly with this woman? She seems out to get money.

Answer given on October 07, 2011

You might want to contact an attorney in your state and get advice on how to handle this since your insurance coverage lapsed during the time of the accident.  If the woman now has injuries, she may seek an attorney to come after you personally for her damages.  Also, in some states, there could be fines for not maintain your auto insurance coverage.  You did not say whetherthe accident was your fault.  Nor did you mention if the police was called.  Talking to an attorney in your state may give you some direction on how to move forward.  Get a free consultation from an attorney in your state by click here.


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