by mgddto » Wed Sep 28, 2011 01:04 am
I was involve in an little accident, where I crashed my car behind the car in front of me, but there were no injuries to the cars and the passengers. But, i receive ticket because I did not have insurance. Now, the Insurance Company of the other car is charging me $ 1000.
Posted: Wed Sep 28, 2011 01:26 am Post Subject:
I'm going to guess and say that they are "charging" you for $1000 in property damage. Many states allow for your drivers license to be suspended until you can show that you've settle the loss you caused (financial responsibility).
Driving is a privilege, not a right.
Posted: Wed Sep 28, 2011 01:47 am Post Subject: oh
Yea. but, I already got my driver license now, I just had to pay the ticket. but they are sending me letters to pay that amount, and i think that they are charging me more because there was no damage on the car i hit, it was just some little scratches. could they decrease the amount or what should i do?
Posted: Wed Sep 28, 2011 02:14 am Post Subject:
but there were no injuries to the cars...
charging me more because there was no damage on the car i hit, it was just some little scratches
So their _were_ damages. Feel free not to pay and provide yourself a defense. You can certainly ask to see the estimate and photos of the damages.
If I were you I'd either work out a payment plan or ask to pay a lesser amount in full. Most insurance companies will turn your debt over to a collection attorney or collection agency. Most will set you up on an interest free payment plan.
You caused someone else a loss due to your negligence. You were driving without the required insurance. You now need to man up and face your responsibilities. be thankful that you did not seriously hurt someone.
Posted: Wed Sep 28, 2011 06:15 am Post Subject: okay
okay thanks..
Posted: Wed Sep 28, 2011 12:39 pm Post Subject:
Now, the Insurance Company of the other car is charging me $ 1000.
They may be trying to recover the insured's collision deductible if he did not carry uninsured motorist coverage. If you don't pay it, you will probably be sued by the other driver/owner of the car you damaged.
But insurance companies cannot do anything about your license status. That's a matter for the state.
If you don't have auto insurance, why are you driving? Oh, you can't afford it? Well, then you definitely should not be driving. Take the bus, ride a bike, or walk.
Posted: Wed Sep 28, 2011 01:04 pm Post Subject:
But insurance companies cannot do anything about your license status.
They can go through the process just like anyone else and ask the state to suspend the person's license until the debt is paid. Same result.Posted: Wed Sep 28, 2011 01:37 pm Post Subject:
But they cannot directly suspend or revoke one's driving privilege.
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