I have just recently been contacted by a debt collector concerning a vehicle accident about two years ago. There was no physical damage to the car, we took pictures just in case and the police officer didn't cite me for any vehicle offense. At the time of this accident I did have vehicle insurance through Progressive and I didn't hear anything further concerning this incident until recently with the debt collector. The debt collector told me I owe 3,700 for property damage. There wasn’t a scratch on the car. Somehow my current car was not listed on my insurance policy even though I had a current policy. Long story short apparently my insurance company refused to pay. I thought only the original Insurance carrier could file a subrogation suit and apply to have a license suspended.. They state that they can do this because it’s an uninsured motorist case. Am I considered an uninsured motorist even though I had insurance (albeit for some reason that car wasn’t on my policy)? Don’t know if these are just scare tactics to get me to pay for something I didn’t knew existed or if I’m being scammed. Can they still as a "debt collection agency" and not the original Insurance carrier try to have my license suspended? Should I consider a lawyer, or is the amount not high enough to justify it? Looking for advice, Thanks.