I was involved in a minor accident in 2013. According to police, I was at fault. I had insurance at the time and the claim was paid. So I never heard from it again. Today, I received a lawsuit noticed from a lawyer suing me and the insurance company for not having liability coverage at that time. Lawyer stays his client was injured as a result of the accident and is still in pain, not allowing her to work. I filed Chapter 7 in 2015 due to financial hardship and it was discharged in October 2015. What are my options ? Am I liable for something that happened almost 4 years ago? Can I get sued for that even though I filed for Chapter 7 due to hardship in 2015?
Did you list the wreck as a liability when you filed for bankruptcy? Regardless if you had insurance at the time you simply turn it over to your carrier. Let your insurance company take care of it. That's why you have insurance.
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Contact your insurance company immediately in order for them to defend you on this matter.
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You said the claim was paid. In that case, your insurance carrier should have received a signed release from the party now suing you. Contact your carrier and advise them about this suit and demand that they defend you and indemnify you for this. Advise them about your bankruptcy filing too. If you did not declare these people as potential creditors, their claim may not have been discharged. Again, discuss this with your insurance company lawyer
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You should call your insurance carrier to see if they settled an injury claim. If you did not have bodily injury coverage then your carrier would not have resolved it. Also, contact your bankruptcy attorney to see if you listed the other party in the Chapter 7 filing as a creditor.
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