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I was involved in a car wreck, but didn't have any insurance?

I was involved in a car wreck, but didn't have any insurance? Topic: Collections cover letter
July 18, 2019 / By Jo
Question: I was involved in a car wreck, but didn't have any insurance, and both, my car and the other person's car was damaged. No one was hurt at all. I fixed my car already using my own money. Then a few weeks later, I received a letter in the mail from ACA international credit collection services, asking for me to pay almost 4000. I am a minor, and the letter is addressed to me. What are my options? Thanks
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Best Answers: I was involved in a car wreck, but didn't have any insurance?

Freddie Freddie | 1 day ago
Your options are pretty simple... you pay the money you owe, or dispute the matter in court. Don't hide from them, because they'll find you. And don't fight them on your own, because their lawyer knows the law better than you do. Since you probably don't have four grand sitting around, you'll want to see if some sort of a payment plan is available. If they want to be real pricks, they can make you sell your car or whatever other assets you own to cover your debt. But that's usually a last resort, so try reasoning with them first. And stop driving without insurance. If you kill or hurt somebody next time, your folks might lose their house and everything in it because of your actions. And no you're not good enough to not have another accident, because you've been in at least one already.
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Freddie Originally Answered: I unknowingly was involved in insurance fraud /how to prove I didn't do it intentionally?
talk to legal aid asap. i mean like as soon as you read this! most larger co.s especially ins. tape their calls for training purposes alledgedly but really to cover their butts. ususally at the beginning of the call it even says you may be recorded. tell legal aid you need the tape of your call supeonaed.do it noe before they realize you might try to obtain it and they have a chance to destroy it. otherwise you are screwed. you have no proof of the call, and nothing in writing saying you can use the ins. unfortunately the onus of proof is on you to prove you didn't knowingly commit fraud, not on them to prove you did! however one good point in your defense is that they sent you a card in the first place. why? if you did not apply for one under false pretense, then they voluntarily covered you, and you used said coverage. tough case, but open and shut if you manage to get the telephone call tape. since they provided you with a card and as you say it was used more than once months ago, and accepted, then i believe they will not win. worst case scenario is they would have to take you to small claims court, and there, they WOULD have to prove you used the card illegally. good lick with this. why aren't you dialing legal aid yet?
Freddie Originally Answered: I unknowingly was involved in insurance fraud /how to prove I didn't do it intentionally?
You SAY that you received insurance cards for all of your children and that this was apparently as a part of his health plan at work. SOOOO! If you used one of THOSE cards to gain benifits under the plan THAT is the essence of insurance fraud. Since YOU had a card with YOUR name on it it is NOT fraud. The telephone conversation is irrelevant, it has NO force in law from either side of the conversation. Apparently your husband signed up for a family plan and that INCLUDES the wife. But since this insurance was apparently in response to a court order for support and you were not a part of the support agreement (he is only being asked to support the children) he and/or his HR department made a mistake in the application process for the insurance coverage. Now that the company (who else who else would have any interest in ths issue) has found the error of its ways, it want not only to stop the insurance access on your part and also wants to file for fraud. Believe me, EVEN if actual fraud is involved, it is almost impossible to prove it in a court of law. Intent is the big turning point in a fraud case followed by actual action. If you did NOT apply for the insurance and did not tell anyone that you were supposed to be on the policy (your ex doesn't count in this matter) then you have nothing to worry about. PS, I would not even consider paying it back.
Freddie Originally Answered: I unknowingly was involved in insurance fraud /how to prove I didn't do it intentionally?
If you are charged with a crime (like fraud), then they have the burden of proving your guilt. You do not have to prove anything. Nevertheless, it would be wise to talk to a lawyer. You may be eligible for free legal assistance through a legal aid clinic. So, talk to a lawyer before you agree to do anything and do not communicate with anyone regarding the matter until you do speak w/ a lawyer.

Darleen Darleen
You didn't have any? Then you were in violation of the driving law.A driver has to have insurance and a licence.You're only option is to see an attorney and get car insurance.Also a job. You could call ACA, to be sure the $4000 is due to the wreck and to make sure you're really the one in debit, if it doesn't, because there is likely another guy of your full name, some where.
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Darleen Originally Answered: Handling a fender bender with insurance getting involved?
yes he is a con man, insurance companies do not pay people for" inconvenience" and forget having him sign away his rights you can have him sign your toilet paper. He could turn around bill your insurance, claim no knowledge of the deal and get paid too LOL you have a lot to learn
Darleen Originally Answered: Handling a fender bender with insurance getting involved?
In case you declare theres' a exceptional hazard your most sensible price might cross up nonetheless this isn't continually the case. Also you're going to have got to pay your deductible earlier than they pay, so keep in mind some of these matters. If it was once any one else's fault and your automobile is not corporation new you could conveniently ask the reverse character for a few coins and go away it at that. Good well fortune. RE: Does my vehicle insurance plan cross up if i declare my rear bumper? I've complete insurance policy and acquired into fender bender..? Does my automobile insurance plan cross up if i claim my rear bumper? I have complete security and got into fender bender and such a lot robust broken rear bumper. IF i declare this will likely it bring my insurance plan most sensible price? I imply i will are living with the harm if it is going to raise my charges of most sensible price and that i emerge as purchasing it besides in longer term. Ive at all times wondered what is valued at claiming on insurance plan. P rent submit

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