First and foremost: You need to get your insurance reinstated or you face possible license suspension and other consequences. Second: You need to try to negotiate a settlement and/or payments or consider other options (such as personal bankruptcy -- last resort).
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A local attorney in your city can try to negotiate this down and get you on an affordable payment plan.
Since the car is registered in your father's name -- he is involved. If you do not want him to be you need to satisfy the subrogation claim or he will have to do it. A consultation with an attorney is in order.
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1. Contact an attorney
2. Hire an attorney
3. Negotiate an affordable attorney fee
4. Negotiate a payment plan before they sue you and/or your father
5. If they sue you and/or your father have your attorney contact their attorney and negotiate a pyament plan
6. If your drivers license gets suspended have your attorney request a DMV Hearing to reverse the suspension
7. I have handled these types of situations before, you are welcome to call me
310 927 2252
Unfortunately, this is the biggest nightmare when you drive without insurance. The next being a license suspension from the DMV . The license suspension can usually be modified to a restriction. As for the outstanding damage, both you and your Dad ate on the hook. The best bet is to negotiate a lump sum buy out where you offer say 50 % of the debt, and see if they bite at it. If not you could start a monthly payment plan for the full amount. The creditor would rather take a lump sum. An attorney could negotiate your options, but you will most likely have to compensate him. Last option ,let them get a judgment against you in the next few years , and then file bankruptcy along with any other debts. This obviously impacts your credit.
Your father is involved as a matter of law since he is the registered owner. If its your car get your dad off the registration (won't help for this matter). Have Subro give you a copy of the repair bill, pictures and proof of payment for the repairs. Verify the damage was the same as in the accident and not enhanced for non-related items. Negotiate a payment plan.
DUI DUI and DMV hearings DUI and driver's license penalties Bankruptcy Credit repair Credit Debt Bankruptcy and debt Personal injury Personal injury settlement Fault laws and personal injury cases Personal injury and car accidents Drunk driving and personal injury Government law Car repairs
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