I was in a car accident on 5/20/11, I was not charged with the accident and didn't make a claim with my insurance company. I just recieved a letter from the other driver's insurance company stating I am responsible for their loss and want me to pay 10,000.00. What should I do?
Country relating to Question: United States
State (if USA): Florida
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You indicate that there is another driver's insurance company which is asserting you have liability for damages.
The purpose of a driver's liability policy is to cover damages for which they were at fault.
The normally a driver notifies their insurance company which will speak with the other driver's insurance company concerning such damages. Informal resolution is normally achieved based on an agreement of fault as to the responsible driver.
When informal resolution is not possible, the an insurer is prepared to defend a civil suit to collect damages on the behalf of their insured driver.
I hope that the information I have provided regarding the insurance claims process answered your question.
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what would determine the 'at fault' driver to make me responsible for their claim? i had insurance at the time of the accident.
A review of what occurred to cause the accident would be the method of determining. In essence, the at-fault party would be the one whom the insurance company believes they could successfully prove up a claim against in court. In some instances it is clear such as in rear end collision and in other instances it can be more difficult.
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I am, I'm still very unsure how to proceed. Should I contact my insurance complany to advise them of the letter received from the other insurance company? I'm only 24 and on disability and do not have the money to hire a lawyer or pay $10,000.00.
I cannot provide advice per the site terms. Only information. Vehicle liability insurance is meant to shield driver's from claims against them. Normally when a driver is facing a liability claim resulting from driving their insured vehicle they contact their insurance company. The insurance company intervenes and normally informally resolves the claim.
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sure thanks again have a good day
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Thank you again
Wide experience in consumer rights law.
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