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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?

car financed at subprime lender i have comprehensive insurance auto stolen.. what if i dont file an insurance claim?

So I'm looking to buy a car within the next month. I'm trying to find one under the price of 3,000 if at all possible. My plan was to get an unsecured personal loan and use that to not only purchase the car but also other fees and the down payment for the insurance with that loan. My credit report came out as "Good above 700" but I only have one credit card with Capital One that I've had only since the beginning of this year. But yet it seems like I can't get approved for any personal loans. I've tried looking into used auto loans, but I don't make enough for them either. I have no one to co-sign for me, and I am a first time buyer. What would be the best approch?

I Currently Live in Illinois But I'll Be Moving Temporary to Orem Utah,from 6 mos up to 1 year,but since i know i will be coming back i was planning on keeping my current insurance and the car registered to my illinois address… but im really unaware if my insurance which covers liability in illinois will be valid in utah or not… thanks

what insurance quotes car auto online? i want to know about this.

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My son was driving my car but he was keeping insurance on it. He let his insurance expire and then backed into a car in a parking lot. The police were not called since it was on private property (store lot). The other driver turned it into their insurance. She found the most expensive body/auto dealer to take it to. $2600. Their insurance said the driver can take it anywhere they want, they pay it, and then come after the other owner. I think they could have had it fixed at a reputable repair shop a lot cheaper than a car dealer. My concern is losing my license since it was in my name and not insured. Do we have any recourse to their gouging us on the repair?

Ok. Here's the scene. I was driving along a main road. An idiot came off a side road, ran a stop sign and ran into me. The cops told him it was his fault – 100%. So you'd figure I'd be fine, right? Wrong!

The idiot has a cut rate auto insurance who wants to total my car for $200. I can't afford a new car and certainly not with their crappy offer. The damages to my car are *AT LEAST* $1,000 which I can't afford either. I don't like the idea of a frivolous law suit, but this idiot ran a stop sign and now he's totally screwed me over.

SO, can someone give me some cheap advice here. I'm thinking small claims court. With the police report, pictures, etc. I should easily win. Thanks!

i just brought a new 35k car and I'm in school full time, struggling to make the payments. the payments is nearly $700.00 bucks monthly. how can I afford that payment and i'm in school 10-12 hours daily? i want to get out of this contract, without getting a reposession or claiming bankruptcy. i thought about Insurance fraud, having my car stolen, having my insurance company payoff the car, once it's not recieved. but that's Illegal. can some one give me some advice, because i don't want to quit school over a car payment.

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My car recently broke down, and I decided I won't be repairing it anytime soon. I have decided to make good use of our public transportation for a few months while I save some money for a down payment on another car. I don't really like the idea of wasting money on auto insurance, but I also don't want a gap in my auto insurance coverage as I have heard that can raise you insurance premiums. Is there a solution to this problem?

My car got broken into in October – Honda S2000, top was cut, seats and shift knob were stolen.

I had full coverage through Geico, and they had the car towed to a body shop, where they decied to total the car out – I wanted to keep it, but the adjuster pushed me to total it out instead (the seats and top come to over $10k in damages). They towed the car to their facility, and then sent me a letter stating that they'd found me "0% at fault" and that my settlement would be in the range of $13k.

Then, they found out I was unemployed, and had me interviewed by a "special investigator" who was a raging ****** who more or less accused me of committing fraud. They took three recorded statements from me and tried to trip me up wherever possible – which didn't work since I have nothing to hide. I was unemployed for a month, got a job again, have no criminal record, haven't ever filed a claim, etc. but they then started dragging their feet and demanded that I provide them with six months of bank statements, six months of cell phone records, and my previous insurance policy number – everything other than the insurance policy number seems very intrusive and unnecessary.

I've tried compromising with them, and they're not having any of it. Should I contact an attorney?