Can someone have their insurance company have my license suspended for a accident that someone else had in my car?
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UPDATED: Aug 16, 2012
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Insurance Question from Hayward, CA
Asked on 08/16/2012
Can someone have their insurance company have my license suspended for a accident that someone else had in my car? In 2009 a person who I knew stole my car and got into an accident. The other party to the accident's insurance company has been calling me trying to get payment and I have been referring them to the person who drove the car. Now the other parties insurance company has called me advising If I dont agree to make payment by next month they will sue me for the entire amout and have my licence suspended! Can they have my license suspended for an accident I was not in, and the person whom I knew admitted that they stole my car, and has said they are willing to make payment arrangements.
Answer given on August 19, 2012
In auto insurance the insurance follows the car, no matter who is driving that car. If someone else was driving your car and caused an accident, then your insurance company should handle the claim.You need to call your insurance company and report the claim. It has been a long time since the accident, and the insurance company could deny the claim, but you should explain that you did not understand you were responsible. One of the other insurance companies should have explained this to you so this would not have dragged on so long.Your license could be suspended if you did not have insurance at the time of the accident. Presuming you had insurance then reporting the claim should resolve that part of the incident and get things moving forward. If the other insurance company calls you again, refer them to your insurance company to settle the claim. If you did not have insurance, thenyou will need to work with the other insurance company to settle the damages caused by your car.
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