The debt is I was unable to buy insurance due to my financial situation. And on the day of accident i was not the cause of the accident too. The police officer did not ask any of the drivers about the accident but he simply gave a police report. Later i found out that the report was against me.
I called the officer and he said he applied physics in the accident and wrote whatever he saw. The other drivers agreed on the car that rear ended me being the cause of the accident.
I recently got a letter from the debtors saying my license is going to be suspended.
Debtors are persons who owe money. Creditors are persons who are owed the money.
You apparently alleged to be the debtor. That is, the other driver is alleging that you owe that driver money because your vehicle ran into the other driver's vehicle.
"the car that rear ended me being the cause of the accident." Whether that is true is for you to prove. As far as the persons in the vehicle before you know, your vehicle ran into theirs.
"Can [the person whose vehicle I ran into] suspend my license in Washington state after an accident in which i did not have insurance ?" The person cannot directly suspend your driver's license. However, the person can report to the WA Department of Licensing that you did not have car insurance at the time and that the damages allegedly caused by you is more than $1000. Upon learning that information, the WA Department of Licensing will suspend your driver's license.
WA requires all operators of motorized vehicles to have at least the statutory minimum level of insurance.
If you had insurance, you would forward the claim to your insurer for it to handle. The insurer would appoint an attorney to represent you.
Since you do not have insurance, you will need to hire your own attorney to defend you against the claim.
The answer is yes.
Since you may be at fault and chose to drive without insurance in violation of state law, you are now going to be responsible either to negotiate with the other person and/or his or her insurance carrier or possibly defend yourself in court if either party files a lawsuit. If you are going to negotiate with the other party’s insurance carrier, you can try to ask for a reduced amount and/or set up a payment plan.
If you have no attachable assets and a judgment is rendered against you in court, there may be no way for the prevailing party to enforce the judgment, but it is probable you will lose your driver’s license until the judgment is paid. It is also possible that your state may suspend your driver’s license, anyway, as in some states a judgment is not needed to do so.
You may need to consult with an attorney who specializes in bankruptcy/debt-debtor law. You can use the “Find a Lawyer” link at the top of the screen for the names of some attorneys near you.
Please do not message me for further advice or call my former law firm if you have any further questions. If you are in need of an attorney to assist you, please search for another attorney in the jurisdiction involved in your case, as I am now retired, and my former law firm is no longer handling these types of cases. I am active on AVVO and answer questions only as a public service at this point.
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RCW 46.29 establishes a method for the State to determine administratively the amount of the required bond to avoid suspension. If you were at fault and drove without insurance, and don't have the amount of security to avoid the suspension, then the State will take away your driving privileges for three years. Perhaps buying insurance was the better option.
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