Got into a car accident, having problems with insurance company.?

Last year i got into a car accident after which a cop came and he said that he will not file a police report as long as I pay the owner of the car i damaged. Well I made an illegal turn and the guy was speeding and hit me, but the cop said it was my fault, plus i stupidly did not have insurance.

Anyway afterwards I paid him an agreed $2k for damages and he wrote out a contract and signed saying that he will not pursue for damages from there on out.

Today i got a letter in the mail from his insurance company saying that they are seeking reimbursement from me because theyre repairing his car. I dont know why theyre contacting me so Id like to know what my options are and my rights.

Please dont preach about how i shouldnt have been driving, ive definatly learned my lesson and at this point am just trying to deal with the problem. So again, please let me know what my rights and options are I would appreciate it so much.

WHAT SHOULD I DO????!!

I'd start by sending a copy of the contract to the insurance company. Tell them their client made this agreement with you and they will have to sue you to collect anything above, and beyond what their client agreed to accept as payment in full.

See where that gets you.

You just need to fax them a copy of the contract and hopefully you have a copy of the check/money order you paid him. I won't preach, that sucks that this is happening a year later. Is this guy trying to commit fraud? Did he just file a claim recently for the accident that happened a year ago? No police report? you have no idea what he's talking about....

i may be wrong but i believe the policeman was supposed to file a police report regardless of how the car was to be repaired, with personal cash or an insurance settlement. do you have a copy of the signed agreement. you could contact the insurance regulatory agency in your state and tell them you have already paid the damages, if you have proof that you paid the man. and how is he going to collect from you when there was not even a police report. something really sounds weird about how that was all handled. you may need to call an attorney and get some free over the phone advice. it may not be worth it to hire an attorney unless you are about to get into some big trouble. i reread your question and i am still a bit confused but if you have a copy of the signed agreement, and there is truly no police report, i just don't see how you can be liable. do you have proof that you paid him. i hope you can get it all worked out.

I would consult a legal aid clinic or a pro-bono attorney who specializes in accidents. Sometimes as a matter of protocol, insurance companies have to send letters stating the reimbursement. While *HE* may not pursue damages, the insurance company can, and it looks as if they are doing that.

However, I would consult a legal clinic or a pro-bono attorney so that you are made aware of what rights you have. I also hope that you've since purchased auto insurance. I've been hit by an uninsured driver before, and because of that, *MY* insurance rates skyrocketed because of the damage done to my car.

Uninsured drivers affect the drivers they hit in more ways than just damage to their cars and medical bills, they also cause our rates to go up for something that they wasn't even their fault. It's been 4 years and I'm still paying for it :-(