Q: If someone rear ends me and we don't go through insurance how can i collect the money owed me if she isn't paying me?
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A: Is this agreement between you and the negligent driver in writing? That would be a starting point to determine how you can enforse this agreement. A better question would be, why did you agree not to go through insurance? If the accident occurred less than three years ago, you could probably just go ahead and make a claim with her insurance company.
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