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.

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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 14, 2013

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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.

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