What is the name of your state (only U.S. law)? New Jersey
Hello,
In 2015 I was parked at the convenience store next to my house. I was unemployed and I did not have insurance at the time. I didn't know it lapsed for non payment. I was pulling back from the parking spot and didnt see the car behind me so we hit each other. The cops came, checked my info ( I had insurance card, but it lapsed few days before this incident). I didn't get a ticket. I am not sure why, perhaps because I showed a PB card. That was the end of it.
Few months ago I received a letter from a debt collector on behalf of insurance company demanding a payment of $4,700 as a result of an accident caused by supposedly me. I keep getting these letters on a regular now. I assume it is the other insurance company coming after me. Question: am I liable? I did NOT get a ticket, I am not sure what is in the police report as I didn't see it either. What is going to happen next in your respectful opinion and experience? They are threatening to take it to court if I dont pay within 10 days. Please advise - thank you very much.
Hello,
In 2015 I was parked at the convenience store next to my house. I was unemployed and I did not have insurance at the time. I didn't know it lapsed for non payment. I was pulling back from the parking spot and didnt see the car behind me so we hit each other. The cops came, checked my info ( I had insurance card, but it lapsed few days before this incident). I didn't get a ticket. I am not sure why, perhaps because I showed a PB card. That was the end of it.
Few months ago I received a letter from a debt collector on behalf of insurance company demanding a payment of $4,700 as a result of an accident caused by supposedly me. I keep getting these letters on a regular now. I assume it is the other insurance company coming after me. Question: am I liable? I did NOT get a ticket, I am not sure what is in the police report as I didn't see it either. What is going to happen next in your respectful opinion and experience? They are threatening to take it to court if I dont pay within 10 days. Please advise - thank you very much.