Sued for a huge amount after a rear-end accident a year ago
Last week, I received a lawsuit related to an accident that occurred a year and a half ago. I was coming to a stop at a red light and didn’t brake in time. The other driver got out, shouted at me while I apologized, and we exchanged information. They mentioned they were running late for an appointment and appeared uninjured, with only minor cosmetic damage to their vehicle. I filed a claim with my insurance, paid my deductible, and thought that was the end of it.
Fast forward to now, and I get a knock on my door with a lawsuit stating I’m being sued for $1 million for lost wages, damages, medical expenses, and more. I forwarded everything to my insurance company, and they were working towards a settlement since I have bodily injury coverage up to $100,000. However, I just found out that they couldn’t reach an agreement on the settlement, so a lawyer has now been assigned to my case.
I’m currently seven months pregnant, and this situation has caused me a lot of stress. At the time of the accident, neither of us called the police, so there’s no police report—just a simple exchange of information. I’m uncertain about what to expect next, and I really want to avoid going to trial, especially with everything going on as I prepare for the baby. Additionally, I worry about the possibility of having to testify; public speaking makes me very anxious, and I often struggle to communicate clearly.
The $1 million claim seems excessive. My partner even checked the other driver’s social media and found they’ve been working normally since the accident, which raises questions about the validity of their lost wages claim. I know it’s normal to feel emotional during pregnancy, but I’m really overwhelmed right now. I would appreciate any guidance or advice on how to navigate this situation.
I’m really sorry to hear what you’re going through; that sounds incredibly stressful, especially with a baby on the way. It’s understandable to feel overwhelmed in this situation. Here are a few steps you might consider taking:
Stay in Close Contact with Your Insurance Company: Since they’ve appointed a lawyer for you, it’s essential to communicate regularly with them. They can provide guidance on how to navigate the legal aspects and what to expect going forward.
Gather Documentation: Collect any information related to the accident, like photos, communication with the other driver, and notes about the incident. This documentation can be helpful for your lawyer in building your defense.
Talk to Your Lawyer: If you haven’t already, ask your appointed lawyer about the specifics of the case, including what the next steps are and how you may be involved. They can explain the process and ease some of your concerns about testifying.
Keep Track of Your Stress Levels: Being pregnant is a significant life event on its own. Finding ways to manage stress—like talking to someone supportive, practicing mindfulness, or even seeking professional help—can be really beneficial during this time.
Understand the Process: Lawsuits can often take a long time to resolve, and many settle out of court. It’s a good idea to learn about how the legal process works, so you know what to expect and can prepare yourself mentally.
Consider Your Options: If the settlement discussions continue to stall, your lawyer will work with you to determine if a settlement offer is reasonable or if taking the case to trial is the best option.
It’s okay to feel anxious, but remember that you’re not alone in this. You have professionals who can help you navigate the legal system, and focusing on your pregnancy and preparing for your baby should be a priority. Take things one step at a time, and lean on your support system for emotional strength. You’ve got this!