I'm uninsured and don't have any money at all. I gave the driver money to pay his deducible and thought that would be the end of it. About a month ago I started receiving calls from his insurance company saying I still owed more money. I told them I didn't have any money and wouldn't be able to pay them but that I paid the deductible and had the driver sign a paper stating the date, the amount of money I paid. What are my next steps?
Personal Injury Lawyer
They are likely taking the position that you owe them what they paid on the claim. If you get sued be sure to answer or you will be defaulted.
Always consult an attorney IMMEDIATELY as there are time limitations on filing a lawsuit.
4 lawyers agree
Car / Auto Accident Lawyer
Hope that they agree not to further pursue you.
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Car / Auto Accident Lawyer
You are in a rough spot. All you can do is hope that the insurance company decides not to pursue you for the rest of the money. If it does, perhaps you can work out a payment plan. If the amount is too great, you might need to speak with a bankruptcy attorney.
I am licensed in Pennsylvania. This post is not legal advice, but instead contains general educational information. Please do not act or refrain from acting based upon what you read in this post. Also please remember that this post does not form an attorney/client relationship between you and me. If you have specific legal questions, you should contact an attorney in your state for assistance.
2 lawyers agree
Lemon Law Attorney
Since you have a written acknowledgment of the payment, you may be able to use that as an accord and satisfaction defense. If not, though, you could be in for some rough financial sledding -- under Michigan law, if you are uninsured, the other driver's insurance carrier as a right to seek reimbursement from you for the amount it paid out. Even though you are probably thinking you cannot afford an attorney, you really cannot afford not to consult an attorney. The insurance company is not likely to leave you alone and you stand very little chance of successfully defending yourself without the assistance of an attorney. Sorry to be the bearer of bad news but, I highly recommend that you consult with an attorney as quickly as you can, preferably before you actually get sued.