Q: Is there any way to protect myself from subrogation if I didn't cause the accident and wasn't driving?
I'm being sued by Nationwide insurance; a company called NCS has contacted me, and I'm not sure what to do. My boyfriend hit another car, and totalled it out, while driving my car, without insurance on it. I wasn't driving, but I was there, and the vehicle was registered to me. I paid for everything he was ticketed for, all his legal fees, I purchased insurance right after the accident, and did everything everyone said to do. He was abusive and eventually lost his job, and disappeared back to TN a year and a half ago. Now the only person they can find is me, and I reckon it's my responsibility to take care of everything, because it was my car. But I don't have the money. I barely make it by myself. I know that isn't anyone else's problem, and that I am accountable, so I'm not really asking for sympathy. I've worked really hard my whole life to be at least a semi-decent person. I don't know what to do.
A:
I. Don't agree it is your obligation. It may be but it may not be. 2) Help them locate your ex--if you get sued you need to sue him for "contribution," 3) find out what the claim is for. If it's for property damage only, and they give you a FULL release of ALL claims including injury claims then it may be a deal. If it's just for property damage and you face an injury claim, no deal.4)contact a lawyer who handles insurance defense. It may be they will charge a consultation fee but worth it if you have large exposure.
5) Know that if all else fails you can declare bankruptcy. You must list as "creditors" not only nationwide but each person in either car (other than ex boyfriend).
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