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You should notify your insurance company, unless you want to pay all the damages. They will hire a lawyer to deal with the issues concerning what happened, if they need too.
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Seems like that should have been taken care of before the settlement. You may want to call a lawyer in the area that does that type of work. It also is good advice to set a meeting and sit down and get a full explanation of what is going on.
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Spend the time to talk to a local criminal defense lawyer. It will get your questions answered and let you know more about your options.
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There could be an issue with if she gave permission. But with no coverage either of you would have to hire a lawyer to successful use that defense. The uninsured paying insurance companies can be ruthless in their pursuit. You should talk to a lawyer that defends these type of cases and review all your options.
It's a good example of why you need a lawyer that does this kind of work on your side to investigate. Each of the witnesses need to be talked to. We have had cases where after that is done a officer will change their report. Early investigation is very important.
Yes, sounds like it's your fault. Good reason to make sure you have insurance coverage and to make sure you drive safely.
You got a release. Wish him good luck. It is a good example of the importance of releases, why people shouldn't settle early if they really do have more damages, and how messy it can get without proper representation.
A good reason to have enough liability coverage. They should take care of you. Some times it's worth running it by your own lawyer to make sure they are doing their job.
Sounds like you feel bad about what you did, probably not the place to ask what you should do. Everyone above has accurately explained your rights.
Early investigation plays a very big role in finding out what happened. The first person that talks to a witness can have a great affect on what they remember. You need to protect your interests and talk to a lawyer that does this type of work where you live.