I am being sued by an insurance company to recover their cost on a claim they paid their customer because I was driving with no insurance.
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 14, 2013
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Bay City, MI
Asked on 10/14/2013
I am being sued by an insurance company to recover their cost on a claim they paid their customer because I was driving with no insurance. I rear ended their customer with very minimal damage. Was not ticketed for lack of insurance or at fault in the accident. Being sued for over $5,000 which seems very excessive for the damage caused. What potions do I have?
Answer given on October 25, 2013
If you cause an auto accident, your insurance company would normally defend you and pay for any damages that you cause. Since you did not have any insurance at the time of the accident, the other party’s insurance company paid for the repairs and they are now subrogating against you for the damages. There could have been injuries that the insurance company paid for.Even though you were not cited for not having insurance, it does not mean you are not responsible for the damages. If there was a police report they may or may not determine who was at fault.Usually the insurance company will allow you to make payments to them for the damages. You should contact them and ask for an accounting of what they paid out, and see if they will let you make payments to them. If you ignore them, they could take you to court for the damages, which would only increase the amount you would owe.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.