My wife and I live in Texas, Ellis County. In May 2015 my wife was driving
my Ford PU in Waxahachie, Texas and had an accident. She has a green card, but is not a US citizen and speaks limited English. She has a valid Texas DL. The other party called the police and my wife was given a ticket for lack of financial responsibility (expired insurance
). The investigating officer made an accident report indicating my wife was at fault; however from the illustrations and the scene of the accident it is apparent it was at the very least the fault of BOTH drivers, my wife and the other person. She said the police investigating hardly asked her any questions and spoke with the other person (driver and his passenger) as they are US citizens and of course communicated well to their advantage.
We paid the ticket for no insurance this summer and have now received a letter from Wilbur and Associate (a law firm representing State Farm Ins.). They claim they are owed $4,772.38; however from the pictures of the damaged vehicles, it is easily apparent to see that there was no where near this much damage to the other vehicle that State Farm paid $4,772.38 to have repaired. We feel the other driver took advantage of the situation unfairly and State Farm worked with him.
Now we have received a letter from the law firm that they will be submitting the claim to the Texas Dept. of Public Safety Responsiblity program and are wanting to have our license and registration suspended.
I have attempted to contact them to work something out, but they are completely inflexible and unreasonable demanding the full amount to be paid in full or over a 12 months period.
I live on SS income and make only $10.00 per hour working daily. My wife does not work.
I have told them this and that I am unable to make a $393.50 monthly payment but would be able to pay something less. They are inflexible and will likely proceed to force the issue with the Dept. of Public Safety in Texas to get our licenses.
We do not know what to do and have made no headway with them in resolving the issue. Is there anything that can be done to settle this matter and protect our license and registration?