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How could I resolve an insurance claim made against me?

Asked by user in Texas.

I’m uninsured and have no license. It was a 3-car accident. I was rear ended, I then rear ended the truck in front of me. The vehicle behind me left. I exchanged info with the truck in front of me. They have made a claim with their insurance and I'm at fault now. They made a claim of $2,385.94. What do I do now?

Answered by Enjuris Editors:

It sounds like the driver behind you was at-fault or at least partially at-fault for the accident. If you can locate the driver of that vehicle, then you can file an insurance claim or personal injury lawsuit against that driver.

If you can’t locate the driver who rear-ended you, you can attempt to negotiate with the truck driver’s insurance company. Either way, you’ll be personally liable for the damages to the truck because you’re uninsured. Keep in mind that if you don’t have the full $2,385.94, most insurance companies are willing to work out a monthly payment plan that you can afford.

Here is an article that you may find helpful in the meantime: Who’s at fault in a multi-car pileup?

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Laura attended Baylor University as an undergraduate premedical student, graduating with a degree in biology. Though she was destined to be a trial lawyer like her father and grandfather before her, her pre-med background was the perfect training for her ultimate calling: fighting for the victims of negligence. She was admitted to the Texas Bar in 1992 and has served her community ever since.

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