My question involves a driver's license issued by the State of: California
I was involved in an accident which was not my fault.
I was uninsured at the time of the accident. My insurance had lapsed several days prior to the accident, and I reinstated it within a few weeks of the accident.
The other party filed a claim claiming that I was responsible.
I did not file an SR-1 because I did not believe there was $750 of damage. Also, I was afraid of having my license suspended for driving without insurance.
I have recently been contacted by a claims company representing the other party's insurer seeking payment for considerable damages (including injury, which based on the accident I assume is a fradulent claim).
I am judgment-proof in the sense that I have no money (I'm on public assistance); however, a friend told me that the claims company will most likely try to secure judgment anyways.
I would like to defend myself against this claim as I was not at-fault, and I believe that if there was a trial there is a good probability I would win.
However, I am wondering if as a result of defending against this claim I might end up having my license suspended because I did not have insurance at the time of the accident.
In that case, I think I would prefer to try to negotiate a settlement even though I was not at fault, as I can't afford to have my license suspended.
Any advice or links to relevant threads would be greatly appreciated. I searched the forums and did not find anything on-point.