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R. Sebastian Gibson

R. Gibson’s Answers

583 total


  • Does the at fault party have to pay for your damgages to your car if you don't have a valid license or insurance??

    The other party is at fault because I was going North bound and she was at a light that states at the top of the light with a sign that says Left Turn Yield on Green and the other party hit me from the side and my light was green all the way and s...

    R.’s Answer

    You should get a consultation from a personal injury lawyer in your area who can evaluate the facts of your accident and advise you. You can use the Avvo "Find a Lawyer" tool or do a Google search for a personal injury attorney in your area.

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  • Why does the insurance co. need my wife's info on my commercial policy?

    I am getting a commercial insurance policy on my dump truck. This time they asked me if I was married and that they would need my wife's info. She won't be driving the dump truck and she does not currently have a valid drivers license (it is ju...

    R.’s Answer

    • Selected as best answer

    Maybe they're confused, maybe they think she'll be driving it, maybe they think she's part of your company. Who knows. Ask the insurance company.

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  • I was awarded a judgement for a driver hitting my car without insurance. However, I have several failed attempts of locating her

    I had the certified copy mailed to her what can I do now?

    R.’s Answer

    You need to get a debt collection lawyer in your area so you can enforce your judgment against the assets of the person who hit you, and to locate that person. If you have uninsured motorist coverage, you should also have made a claim with your insurance company.

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  • What do I do when I'm being personally sued for a car accident? Insurance maxed out and I don't have any funds or assets to pay.

    I was involved in a minor car accident over 1 year ago. There were very minor damages to both cars. The accident was reported and I was sited at fault, but received no ticket. At the time of the accident, the people said they were fine and refused...

    R.’s Answer

    You definitely need to hire an insurance defense lawyer in your area to represent you and to figure out how this happened. Your insurance company should have had the plaintiff's release all claims for their settlement. Maybe the insurance company just made the policy limits offer and then they filed suit without accepting it?

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  • I was injured in an accident almost a year ago, I was given a ticket for at fault, the ticket was dismissed. What can I do now?

    We both had the same insurance company at the time of the accident

    R.’s Answer

    You should consult with a personal injury lawyer in your area to see if you have a good case. However, just because your ticket was dismissed, doesn't automatically mean you didn't have some fault for the accident.

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  • Do I give my information out to the mothers of the girls involved in the accident with my daughter?

    My daughter was driving her car when the accident happened. There were 3 others in the car with her. The girl in the front seat complained of back and neck pain, so I took her and my daughter to the ER. The Dr. looked at the girl and determined...

    R.’s Answer

    You should let them have your car insurance information, but also give the information about the accident and the passengers to your car insurance company.

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  • How can I stop a credit card company from taking back to court about a credit card after a 7 year judgement on my credit.

    I paid the debtor for 4 years and they refused to tell me how much I had paid or it was so little it would take me forever to pay back.

    R.’s Answer

    If they obtained a judgment against you, that's a different matter. Still you should consult with a consumer attorney in your area who can advise you. Good luck.

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  • How can I stop a company from taking me back to court about a credit card bill after its been seven years,.

    i paid the debit company for a long tome but they would not give me a break down of what was owed, so I stopped.

    R.’s Answer

    You should speak with a consumer attorney in your area. The statute of limitations may have expired for them to sue you again and an attorney will need to ask you how long it's been since you stopped paying the credit card or negotiating with them. Good luck.

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  • I got into an accident 4 months ago , that time my insurance policy was inactive.are they going to sue me I am so broke

    I wasn't aware that my policy was inactive until I recieved an automated call that I owe this money, but I have to wait on my paycheck so I can pay , unfortunately I got into an accident while my insurance policy was inactive. The other insurance ...

    R.’s Answer

    If your insurance was properly cancelled, and if they do sue you or continue to hound you for the money, you should consult with a bankruptcy attorney in your area. Good luck.

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  • Signed agreement to settle with carrier. Haven't heard from them in close to 3 months. Lawyer has spoken to them and nothing.

    So we agreed to an amount with carrier, and besides a form to ask if I'm eleligable for Medicare , I haven't received anything, no forms nothing. My lawyer mentioned that I didn't apply for social security. Is this common to wait close to 3 month...

    R.’s Answer

    No, that's not common. Sometimes the adjusters change at an insurance carrier and no one handles their cases. When we don't get responses to letters or calls, we will ask to speak to a manager or someone who can tell us if the adjuster has changed.

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