My question involves an accident from the state of: IOWA
In Dec 2009 I lived with an (ex) boyfriend. I currently did not have a car and was using his 2002 Avalanche. Due to very icy/snowy roads I hit a patch of ice and smacked into the back of a parked vehicle.
I had liability insurance, but was not aware he had NO insurance. Long story short, my insurance covered the other vehicle. Unfortunately, his vehicle was not covered.
I actually moved out the next month (had already signed a lease before this happened). He has never requested any money...other than demanding I switch my insurance to full coverage, take his Mercury Grand Marquiz and hit his Toyota with it for the insurance money. (He has his dealers license and buys and sells vehicles) Suffice to say...we were not only broke up, but not friends after that.
Today...I received notice I was being sued in small claims court for $5000 stemming from that accident.
It was my fault, yes...but not due to negligent driving...just bad roads...and worse luck.
Am I liable to pay the damages? I know he was legally responsible for having insurance on his vehicle..and truly thought he did...but I don't know if I have to pay for his vehicle? I have always carried insurance...had I known he didn't have any...I would have raised mine to full coverage for the period I was driving his vehicle....but he said he had insurance???
Please help me. I can't afford a lawyer...I just wish I knew where I stood on this. I truly feel horrible it happened...but it was just an accident...and we were together?? Can a spiteful significant other truly come back 2 years later to sue for something he gave you permission to use...and negligently told you he had insurance on???
Thank you kindly...