Auto Accident Advice Needed
I’m feeling overwhelmed and could really use some advice regarding a recent situation.
A couple of weeks ago, while driving my partner’s car (with her in the passenger seat), we got into an accident. I’m not listed on the car’s insurance policy, but her family’s coverage allows friends and family to borrow it. Since it was an accident, the police were involved. However, as far as I know, no report was filed, nor were any tickets issued; we just exchanged information. I managed to drive the car back home after the collision, and her parents opted not to file a claim because the car is a 2002 Civic and the repair costs would exceed its value—mostly damage to the front end and possibly the engine being pushed back.
Recently, the other driver has opened a claim on his end and has now hired an attorney, which has prompted her parents’ auto insurance to do the same.
To add to the anxiety, this accident occurred at around 2 AM with no traffic cameras present, and I don’t think either vehicle had dashcams. The other driver ran a red light, and I was only going about 25-30 mph (the speed limit was 35) since it was raining, but it felt like he was driving at a much higher speed.
I’m now worried about the possibility of being sued or held liable for damages and I’m unsure of what to do next. As a broke college student, I don’t have the means to cover any potential costs. Any guidance would be greatly appreciated!
It’s totally understandable to feel anxious given the situation. Here are some steps you can consider to help navigate this:
Stay Calm: First and foremost, try to take a deep breath and calm your nerves. It’s normal to feel anxious, but staying calm will help you think more clearly about your next steps.
Consult the Insurance: Since the other driver has opened a claim and an attorney is involved, it’s crucial to communicate with your partner’s parents about what’s happening. Their insurance company will likely take the lead, but it’s good to stay informed.
No Admission of Fault: Be careful about what you say regarding the accident. Never admit fault or make statements that could be interpreted as accepting liability, as this can complicate your situation further.
Document Everything: Keep all records related to the accident, including details of the incident, any communications with insurance, and the other party. This can be valuable if disputes arise.
Legal Advice: Given that the other party has retained an attorney, it might be wise for you to seek legal advice. Some attorneys offer free consultations, and they can help you understand your rights and potential liability.
Understanding Liability: Since you were driving your partner’s parents’ car with their insurance coverage, the primary responsibility for the claim would likely fall on their policy. However, if the other driver can prove fault, you might still be involved in the case, so getting legal advice is especially important.
Discuss Financial Concerns: If you’re worried about potential costs, be open with the lawyer you consult about your financial situation. They might provide guidance based on that.
Stay Updated: Keep in contact with your partner and her parents about the progress of the claim and any developments. They might have additional insights or actions they want to take.
Remember that accidents happen, and dealing with the aftermath can be stressful, but addressing it step by step with the right support will make it manageable. Good luck!