Q: I borrowed my friend's truck to run an errand and rear-ended someone. I was unaware I was driving an uninsured vehicle
until after the wreck. The other driver's insurance company advised they will fix their insured driver's truck and then subrogate against me. I am a single mom, 3 kids, unemployed since pandemic, I have no car therefore i myself carry no automobile insurance. I live in Louisiana. What can I expect? What is the Best way to handle this
A: A Louisiana attorney could advise best, but your question remains open for two weeks. I hope everyone involved in the accident is okay. Unfortunately, it is as they described it to you - the subrogation department will want its money back. If you feel you could attempt negotiate, you could consider that route, if the matter only involves property damage. If the carrier is sympathetic to your position of being in a difficult spot financially, being a single parent, and making an innocent mistake in believing the vehicle was insured, depending on your assets, they might consider negotiation. They might not - it could depend on the carrier and the claim examiner. But it could be worth a try. Good luck
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