Am I responsible for paying damages if I was involved in an auto accident a few days after my insurance lapsed but neither party was considered to be at fault?

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Am I responsible for paying damages if I was involved in an auto accident a few days after my insurance lapsed but neither party was considered to be at fault?

This happened last year. No fault was assessed due to lack of witnesses and the circumstances. Nobody was cited nor ticketed. Now, last week, I was informed my license has been suspended since last month due to the security block the opposite parties’ insurance has placed on my license stating that I have to pay for their insured’s vehicle repairs. I requested an estimate and have yet to get one. Should I be responsible for paying back the full $4,400?

Asked on April 3, 2015 under Accident Law, Ohio

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

You are going to need legal help here.  The insurance company is going to come after you for the repairs to their client's vehicle.  They will asses "fault" based on their own "investigation" of the matter which most certainly points the finger at you.  You will need to fight the matter.  If you believe that you are in the right and being taken advantage of try contacting your state Department of Insurance and filing a complaint for starters. Good luck.


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