I was involved in an accident over 18 months ago, car jumped in my lane as traffic was coming to a stop shortening my stopping distance. I find as I am reporting my claim that my policy had lapsed a few days prior unbeknownst to me. Tried to contact other Insurance company with no success, due to the fact I do not think the other party was covered under the policy I chalked it up to being a 50-50 loss and went on with life. Last week I received a letter seeking subrogation in the amount of 28k, 12k for PD and nearly 16K for injury to which no one on scene was hurt? My question is what are my rights? I know no details on how they deemed the validity of my fault, if the driver was covered or how and why they paid out? What do/can I do? I take responsibility for my part, not sure what it is?
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