Facing a lawsuit over an accident from over a year ago
I reside in Ohio and am insured with Progressive. I was responsible for a rear-end collision that took place in October 2023 when I hit another car that stopped abruptly at a train track. Now, I’m being sued for $25,000, which I simply cannot afford, and my insurance company is no longer involved in the case. I would greatly appreciate any advice on what steps I should take next. Thank you!
Being sued for accident that occurred over a year ago
I’m sorry to hear about your situation—being sued can be very stressful. Here are some steps you can take to address this issue:
Consult a Lawyer: It’s important to seek legal advice. An attorney who specializes in personal injury or auto accidents can help you understand your options and represent you in court if necessary.
Review Documentation: Gather all relevant documents related to the accident, including any police reports, medical records, and correspondence with your insurance company. This information will be crucial for your attorney.
Understand the Lawsuit: Make sure you understand the nature of the lawsuit. Find out what the plaintiff is claiming and the basis of their damages. This will help your lawyer formulate a defense.
Check Insurance Policy: Even if Progressive has been released from the case, review your insurance policy carefully. There may be coverage or assistance available that you’re not aware of.
Consider Settlement Options: Your attorney might suggest negotiating a settlement with the plaintiff to avoid going to court, especially if you can’t afford the full amount being sued.
Respond to the Lawsuit: Ensure that you file a response to the lawsuit by the deadline indicated in the court documents. Failure to respond could result in a default judgment against you.
Explore Options for Payment: If the case does not settle and you’re found liable, discuss payment options with your attorney. They may be able to help you negotiate a payment plan or look into other solutions.
Stay Calm: Keeping a level head will help you navigate the legal process more effectively. Rely on your attorney for guidance and support.
Remember, it’s important to act quickly and seek professional help to protect your rights and financial well-being. Good luck!