What happens if I can afford to pay a insurance claim filed against me?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 25, 2013

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Insurance Question from Royal Palm Beach, FL

Asked on 02/25/2013

What happens if I can afford to pay a insurance claim filed against me? Last year in March, I was involved in a minor accident, in which I rear ended another drive(although I was at fault according to Florida Laws, he got a ticket for his misconduct on the road which is what caused me to rear end him). So back to the point, everything was fine, no one was reported injured but a year later( about 1 week ago) I receive a claim for 16K filed by his insurance against me because my insurance doesnt cover injury. I am 23 yrs old, there's no way I can afford 16K. What do I do? I own 2 cars which I use for school and work, can they get they take my cars away? Plz help!!

Answer given on February 25, 2013

If you rear ended another party then the accident would be considered your fault.If at a later date the other party filed a claim for bodily injury due to the accident, your insurance would cover you for those injuries. Even the most basic insurance covers the driver for injuries caused by an accident.You need to contact your insurance company and file a claim for the accident. Explain that you didn’t file the claim earlier as you did not have any damage and there were no apparent injuries. Your insurance company will handle the claim. Tell the other party’s insurance company to contact your insurance company. You do not have to speak with them and should let your insurance handle this claim. If your insurance company denies the injury claim, the other party can take you to court. If that happens, your insurance company must defend you and pay any settlement that is awarded by the court.

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