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Question
I was recently involved in a car accident which was my fault. My property coverage from my insurance policy did not cover the full amounts for the two cars in question. I am now being sued by the insurance companies. If I cannot afford to pay these amounts, will they garnish my wages, place me in jail?
Melissa,
Apparently your limit of liability on your coverage was insufficient to cover the damage you caused. Don't worry about jail, as there are no more debtors prisons and you can set up a payment plan with anyone for as little as $5 per week. Your insurance may be able to pay for a lawyer to defend you, despite the property damage limits on your policy. Check with your insurance company for more information on their paying for an attorney to represent you.
Charlie
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Answers by Expert:
Charlie Barone
Expertise
For questions involving auto damage claims, collision repair, forensics, industry practices, we can help. We specialize in claims for loss of resale value (Diminished Value).
Experience
I have 30 years experience in the collision repair and body reconstruction field, both hands-on and from behind the desk. I hold a Master Certification from ASE in the Body and Paint category, as well as their certification in Estimating. I have authored over 120 feature and training articles for the largest trade journal devoted to the collision repair industry, and have given expert testimony in court dozens of times. Licensed physical damage appraiser in Pennsylvania and reciprocal states.
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