I was hit in an auto accident but I did not have any car insurance, but the the person that hit me is suing.?

Question

The auto accident was two years ago and yes I realize my mistake. Wow people are so quick to be judgemental and not know someone's circumstances. No one was injured in the accident at all. The police does not come out unless someone is injured. I just had to get my car towed and he drove off with his bumper hanging off.

The auto accident was two years ago and yes I realize my mistake. Wow people are so quick to be judgemental and not know someone's circumstances. No one was injured in the accident at all. The police does not come out unless someone is injured. I just had to get my car towed and he drove off with his bumper hanging off. The guys insurance company is coming after me and why did they wait two years...?
They guy lied to his insurance company and told them we collieded which is a total frabication.

Answer 1

Well, they really could wait all the way up until the actual date that the statute of limitations was to run to file the suit. If the statute of limitations is 2 years, they could file two years later to the day, as long as they are not a day over 2 years. And that's disappointing as I'm sure you'd tried to move on with your life. I'm sure you had your reasons for not having insurance, but you're missing out on the benefit that all policies have in them which is a defense against claims made and suits filed.

The other option you have is to call the insurance company and set up a payment play based on a reduced amount and not 100%. They may not drop the suit until you sign something, but it's an option.

If you feel you are not at fault, and you have evidence to back you up, either hire an attorney or answer on your own behalf. But whatever you do, don't let it default and have a judgment entered against you without your chance to defend yourself. That will follow you forever until you pay it. Even if you go to court and lose, you've had your day in court and a judge has made a decision based on the evidence presented.

Answer 2

Did the other party run into you? Did he hit you in the rearend? If he hit you in the rear, then his is at fault. Was the other party injured? Were you injured? Yes you need to get a police report. Why didn't you or someone else call the police. Yes your wrong for not having Insurance, That's the Law. Get a Lawyer. If he is at fault he can't sue you. Do you have a witness to the accident, or is it his word against your's. The reason he's suing you is that his insurance company is refusing to pay, or his Insurance is going to go up dramatically. He is trying to get you to pay for his mistake. If you have a accident YOU have to report it. Did you get his Driver's license number and address, or his insurance company's name & policy number? How do you know he had insurance? Probably some wise a** relative who thinks he's a lawyer or just graduated from law school. He"s try to mess with you. The other party probably had another accident and is trying to blame it own you. Also did he contact you or was it a lawyer? If it he contact you tell him to go F**k himself. Sue me, you can't get blood out of a turnip. If a lawyer contacted you you can't say that. If there is a statue of limitation he can't do a thing. Two years later seems like a scam to me. Something stinks abotu this.

Answer 3

In my state, it's a hefty fine for not having proof of insurance. You say you were the one that was hit. What is the other person suing for? Do you have witnesses to the accident? Did the police issue the other person a citation? Did the police take photos of the accident scene? You're going to need all that info and an attorney if you're being sued.

Answer 4

First of all, if you have no insurance, why were you on the road? Secondly, did you get a police report? Never leave an accident, despite how small, or if the other person claims it was there fault, without an accident report. That is an impartial description of the accident, and is admissable in court to establish blame.
You need an attorney now.

Answer 5

That's what you get for driving without insurance!

If you had insurance, your insurance company would have a legal obligation to defend you in any lawsuit. (IMHO, that's the REAL value of having insurance since the attorney's fees don't go against your coverage limits.) At any rate, since you don't have insurance you now must hire (and pay for) your own attorney. Or pay the claimed damages to make it go away.

To add insult to injury, you're probably barred from collecting anything from the other driver other than hospital bills -- and in some states you can't even get that. More and more states are recognizing the "No Play, No Pay" concept which bars uninsured drivers from compensation following an accident regardless of fault.

Answer 6

You shouldnt be driving without insurance, because the law allows for suing even by the person who is responsible for the accident. You need to get a good lawyer and get some car insurance.

Answer 7

After two years you have to wonder why they are trying to sue you now and not then. I would check with an attorney and see what if any liablities you have now after a two year time frame. I am not sure of the statues of limitations are on something like this but again check with an attorney. Most attorney visits are free for the first visit. Hope this helps!

Answer 8

You better get a good attorney.

I personally feel that anyone driving without insurance should get jail time.
My 5 year old son was hit by an uninsured driver, speeding through the park. What moron drives 35 in a 15MPH zone when there are kids everywhere? It cost me over $50,000.

Answer 9

You will have to appear in court. If you don't, they will get a default judgment. Your only defense to get out of paying would be 1. You didn't do it. So don't bother wasting any more on an attorney. Find out what you owe, make arrangements to pay it, and get insurance before you drive another inch on the roads. No, you can't get back dated insurance to cover it.

Answer 10

in the journey that your deductible is a $a million,000 or much less, then i might ask your coverage employer to conceal it. it truly is why we pay them lots funds each twelve months - to help us out while there is an twist of destiny! in the journey that your fees go up, then locate yet another coverage employer. it truly is costly with adolescents, it truly is for beneficial. yet in in simple terms some short years he would be on his very own coverage. i might even have my son retake motive force's ed (just to get the element for the duration of). Boys truly have a perplexing time understand-how the implications of undesirable using (and study shows they are brains are not completely progressed for the talents mandatory till they are 23!!). solid success and that i sympathize with you (i'm a mom of four!).