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i was in a minor auto accident in december i was driving my boyfriends truck(he has a policy that covers anyone driving his vehicle) and i backed into another car….the cops came out and there was no damage to the truck but the lasys van had a busted headlight and i mean the plastic broke but the bulb still worked…well its been almost 2 months and the insurance hasnt paid any out yet but i just got served with a civil summons from the ladies lawyer for over 10,000 in medical bills and a sum less than 10,000 for property damge…now i have taked to my bfs aunt and uncle and they said that the insurance will most likely pay out something and the civil summons wont go anywhere but my question is if i goes to court or whatever will the judge make me pay out that much money and if he does and i cant pay it will i go to jail????

i am 19 and in college, i dont have time to work so i cant get a job!

Friday, my Husband was going to work. He was at a stop sign. He looked left, then right, then Left. There was no on coming traffic. He proceeded to go forward and cross over the street and bam, he hit the rear quarter panel of this guys truck. He immediately got out. They talked and asked if he was alright. The man said I am fine, I just want my car fixed. The guy said lets just go to the police dept and fill out a accident report because the cops are going to take for ever to arrive.So my Husband and him drove in separate vehicles to the police dept and filled out a accident report.This morning there is a message from a Law office, asking my Husband to call them immediately because, the guys wife is hanging on by a thread. She was severely injured in the accident. The problem is there was no wife. Just this guy, and he said several times I am fine. I just want the car fixed.We are so scared what is going on with this guy? we tried calling our insurance agent, and the agent is out. What is going on? this guy never said anything about a wife in the report, and she never existed! why would a law firm call us and not the insurance company first? and from fri. mornign to mon morning the retained a lawer and his wife is half dead? can someone please give me their rational input on this? also the guys rear drivers side panel was scratched, and tail light cracked. that was the extent of the damage to his car. My Husband said the cross trafic speed limit was about 25mph, and he really believes this guy had to be driving pretty fast to just appear, in those few seconds. my husband admits he did not properly yeild, but that no wife was in the car or fataly injured.

So im 20 years old almost 21 living at home and ready to get my own auto insurance. My daily driver is a 1999 s-10 Blazer and for my playtime car im looking into a 2005 GTO. I know instantly thats a red flag cause im young, but thats why I want my own insurance. But the thing is….I talked to the insurance writer and they told me that even if im on my own insurance, if something serious happens to me in a auto related accident, they can still come after my parents assets and insurance since I live at home still. Is this true? also any tips for a young guy looking for independence with his own insurance?

hi, i was in an accident on a freeway with a drunk driver. he pulled out onto the freeway and i had nowhere to go but hit him at 55mph. i was taken to the hospital with 20 stitches in my knee, a tear to my patellar tendon and a large hemotoma on my neck to name the most serious injuries. i incurred over 10k in medical bills and the knee requires surgery that i don't want to have. the insurance company is starting to offer me money and they offered me 10,000 after all bills are paid. i really don't know how this works but i am curious what a normal monetary value is for this type of accident. my injuries could have been worse but psycologically i am now a driver that is nervous everytime a car is near me. hopefully that goes away but i would like to settle but don't want to get ripped off. i personally don't think money helps at all, rules need to be changed to stop the madness of drunk drivers but i would like to get something for my pain and suffering. anyone's thoughts with previous experience in this matter would be greatly appreciated.

Okay, my wife's car got stuck in the snow last week close to the subdivision. So I went out to get the car because she's not really good at driving in the snow, but I have experience with it. Two people had stopped to help me get the car, which was stuck in a driveway. A guy loses control on the main road and veers off striking one person helping me and striking my vehicle. My vehicle spun around about 90 degrees. Other than the physical damage to the vehicle would the person be responsible for any hidden damage? Because on the side it was hit my wife says it sounds funny ever since that happened. And I fear it could be something got knocked out of whack from getting spun so violently. How would I be able to prove that damage?

BTW, the guy who got hit was just bruised, not badly hurt, thank God. The car almost rolled on top of me because I wasn't in the car at the time it got hit. Just a bump on my head. thankfully.

Also, I got the police report today and it says that the guys were helping me out of a ditch. Well, the car was on the driveway, not in a ditch. It ended up in a ditch after the guy hit my car. I don't know if I really need to argue about that but I do have two witnesses. I can't believe the guy didn't get a ticket. He said somebody was walking across the street further up than this incident and he swerved and lost control hitting us. That's BS, he was speeding in the slush and lost control around a curve. Anyways, as long as my vehicle gets fixed and this guy pays medical for the guy who was nice enough to assist me, then it's fine. But I wonder if I should call my insurance company or not? Some people have said yes, and some say no. I haven't heard from the other insurance company and it's been a week now so I am a bit worried.

i got in a accident today and damaged a mans bumper, he has 200 $ deductible , there is no damage to my truck, he said to me instead of going to autopac i could just buy him a new bumper, he priced one out at 550 bucks , so should i just go this way cause if i go threw auto pac i loose merits my license will go up more insurance , whats thee best thing to do

I recently rear-ended someone and it was completely my fault. Though, the other party is claiming a massive cost. The retail value of the car I hit is around $400, its a 17 year old Nissan and they are asking over $1000 for damages. The only damage to the car was a damaged bumper, I took pictures at the scene, even the driver and her husband stated everything worked fine. Now they are stating there is extensive damage. So what should I do, call their bluff and get the insurance company involved? They said they had a friend appraise the damage cost so maybe get a third party mechanic? I know she's lying and I won't have it!! What can I do?

I was in an auto accident in September of 09. I was ruled the cause of the accident and didn't have insurance. My car was totalled but the car I hit had very little damage to the front bumper. I contacted their insurance company (all state) where I was told they wouldn't be offering me money, which is understandable. I never heard back from them with a phone call or a letter. A couple months later I get a phone call and started getting letters from CCS a collection agency stating that I owe 1500 dollars to them on behalf of their client all state. I was a little weary so talked to my family who told me to wait until I get something more legit. I am now getting letters and calls that I owe 5000 dollars. How is this possible and where do I go for help? There is no way I owe 5000 dollars for bumper damage. And why wan't I told by the insurance company? the collectio agency is now threatening legal action. People tell me its a scam but how do I know?

If I get into a wreck that wasn't my fault without insurance and I come home and say go to safeauto.com and get insurance will I be able to claim that on the accident report? Will I be safe from losing my licence?

I will be 25 years old at the end of March and am currently paying around $99 monthly for insurance. I received my permit in New York when I was 16, and received my full license at 17 after taking a driver's education course, so I've been a driver for nearly 8 years now. I found a better deal through GEICO with same coverage, but with a premium around the $44-$49 range monthly.

Would it be more beneficial for me to wait until I turn 25 to switch? Or should I change my insurance companies now? I haven't been in an auto accident in 6 years (that one was no fault), and haven't had a ticket in four years. Would the insurance change my policy's pricing in the middle of coverage?