If you can afford to hire an attorney, do so. Insurance companies are tenacious in seeking reimbursement from people without insurance.
A "mutual backing" incident is difficult to prove fault on either party, so an attorney who defends drivers and charges by the hour may be able to reduce or eliminate your obligation to the insurance company, get them to pay for some or all of your vehicle repair costs, or otherwise broker a settlement you can live with.
You should definitely contact a lawyer. You can call a personal injury lawyer in your area for a recommendation. Some personal injury lawyers will defend people but will not work for an insurance company. I do this on occasion on an hourly basis. In any event, you need some help.
Jeremiah M. Hodges
No attorney client relationship can be formed prior to actual contact and review of your potential case including verifying that no conflict of interest exists. This information is provided as general guidelines and not legal advice.
In short, yes, you need an attorney. The other driver's insurance paid for damages to her vehicle under her uninsured motorist coverage. They are now seeking compensation from you.
Depending on the insurance company, the amount of damages, and you're ability to pay, they may sue you for what they paid.
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