What is the name of your state (only U.S. law)? CA
In 2008, my license was suspended and was not able to get insurance. Because I was not able to provide proof of insurance to my lender, my contract permitted them to purchase Comprehensive and Collision insurance at my expense for their protection. This insurance acquired by my lender did not include Liability insurance.
In March of that year, while I was at work one day, my girlfriend at the time decided to take my car for a drive and got rear ended. She was deemed responsible due to an unsafe lane change. Insurance information was exchanged and I haven't heard anything since. My gf ended up going to court and ordered to pay $100+ restitution to the other driver and that was it.
It's been almost 3 years and I just received a letter from a debt collection agency indicating that I was involved in an incident that resulted in $14K in damages. Unless I provide evidence of Liability insurance at the time of the accident, they will be looking to me for payment because they believe I was responsible for the incident.
How am I responsible? I wasn't even driving and was at work 35 miles away.
In 2008, my license was suspended and was not able to get insurance. Because I was not able to provide proof of insurance to my lender, my contract permitted them to purchase Comprehensive and Collision insurance at my expense for their protection. This insurance acquired by my lender did not include Liability insurance.
In March of that year, while I was at work one day, my girlfriend at the time decided to take my car for a drive and got rear ended. She was deemed responsible due to an unsafe lane change. Insurance information was exchanged and I haven't heard anything since. My gf ended up going to court and ordered to pay $100+ restitution to the other driver and that was it.
It's been almost 3 years and I just received a letter from a debt collection agency indicating that I was involved in an incident that resulted in $14K in damages. Unless I provide evidence of Liability insurance at the time of the accident, they will be looking to me for payment because they believe I was responsible for the incident.
How am I responsible? I wasn't even driving and was at work 35 miles away.