What to do if I got into a car accident 3 years ago and am now being sued?
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What to do if I got into a car accident 3 years ago and am now being sued?
No police were called but we exchanged insurance information. Now 3 years later, I got a letter from my insuraer that they haven’t been able to settle with the guy and a lawsuit may be filed against me. He is claiming double what my insurance coverage limit is for bodily injury. What happens if he sues me but I have nothing; I’m not even working right now?
Asked on May 6, 2013 under Personal Injury, Hawaii
Answers:
S.L,. Member, California Bar / FreeAdvice Contributing Attorney
Answered 10 years ago | Contributor
Your auto insurance company will provide you with an attorney at no cost to represent you in the event of a lawsuit filed against you. The attorney will handle the case for you. If there is a judgment against you in an amount you can't afford to pay, it would be advisable to file bankruptcy at that time. Until there is a judgment against you, it would be premature to file bankruptcy because you wouldn't know the amount of the judgment.
Chapter 7 bankruptcy is straight liquidation which will eliminate certain types of debts.
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