Car insurance questions!?!!? HELP! accident!?
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Hey, three weeks ago, I got into a car accident and rear ended someone in the front with suv. I had a honda, and the insurance company declared it totaled and they are going to pay around 9k for the car. Since it was rear-end accident, insurance company held me for 100% at fault. The suv had broken/dented bumper and lower part of trunk lid dented (No broken lights or anything). I would say around few thousand dollars worth of damage. There were 3 people in the car and at the time they said they are all ok, and drove off. No police report was filed. When I called at night to get one of the guy's birthday, he said all three went to emergency, and had whiplash pain in neck area (which is understandable from rear-end accident). I had full coverage so I know my insurance comp. would pay their bills. The thing I am scared about is what if they sue me? I am from low-class family and a full time student on loans so I have no money or even a job. If they do, how much can they sue me for?
Car insurance questions!?!!? HELP! accident!?The law in Texas is STEER IT - CLEAR IT. If you rear ended someone you are totally 100% at fault. They can sue you for whatever amount they want - whether or not they can collect is another issue altogether.
Whether or not your insurance will pay for their injuries depends on what coverage you have. Texas required BIPD - bodly injury and property damage liability.
The main question here is why was there no police report? If it happened on a public street and there was that much damage, you were stupid not to call the police. If you were in a public parking lot, like at a mall, the police would not have come out since it is private propety.
Car insurance questions!?!!? HELP! accident!?The best bet is to just use a comparison quote site so that you can see for yourself how much things can cost or how much you can save. They are a real time saver.
http://insurance.123thebest.info
Good luck.
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