Q: I was at fault for an accident in the time my insurance lapsed. Now the other person's lawyer is asking for compensation
I recently moved and my insurance sent a letter to my old house saying that my policy was going to end soon. I didnt know this since I was at a new house and they didnt call nor email. During my accident I didnt stop in time at a stop light and rearended the person in front of me. I got cited for not having insurance and I paid the ticket. But now her lawyer is asking for my insurance information or to speak to them if I dont have any. I found out about the insurace drop the day after the incident and got back on my insurance but it was not covered that day since it ended 2 weeks prior and I wasnt aware. Im not sure what to do in this situation or how or who to ask for help.
A:
Contact an attorney in whatever state you moved from who can tell you what the law is on cancellations. Save the paperwork you got that was forwarded. Postmarks are key--sometimes, insurance companies being cheap, they hold their mail for a few days for a bulk rate. That means if the letter was sent on the 12th, it may not have been mailed until the 18th.
Possible you can have your policy reinstated.
As to them not emailing you was your email up to date? You may have changed that. The big issue is your insurance card. Pull it out. It has an expiration date. But they don't have to email and call you.
And until you change the address on your license, you get a ticket, it will be sent to the old address.
Your problem is under most states law if you don't have insurance and don't pay for the other persons damage they can ask to have your license suspended.
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