Q: Was in car accident not on insurance and seeking guidance
A couple of weeks ago I rolled into an intersection and got t boned. It was not my car and I'm not in the insurance. The insurance company contacted the provider and is threatening to sue for this. (This is what I gathered over the phone call I just had with them) this is the first car accident I've been in and I have no clue where to go from here.
A: From the way you phrase the question, it sounds like you believe you caused the collision. You may want to go over the details with an attorney, just in case.
If you were driving someone else's vehicle:
Did you have permission to use the vehicle you were driving?
If yes, and you were driving for personal use (not on the job - which you don't mention being on the job) then you should be covered by the car owner's auto insurance - the person that gave you permission to drive the car. The car's insurance is your insurance - at least for this accident. If you get sued, report it to the insurance that was on the car you were driving - they will hire a lawyer to defend you.
If you haven't done so, be sure to contact the auto insurance for the car you were driving and report the accident to them - they "should" be your insurance. Put it in writing - email them your statement about what happened - so they can't claim you didn't report it to them. The insurance on the car should cover you in most cases - unless you were an excluded driver - which is sometimes the case, depending on the circumstances (would need to ask more questions to answer that).
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