My question involves an injury that occurred in the state of: VA.
I was in an accident on Sept. 16, 2013 and rec'd a letter from an attorney postmarked Sept. 14, 2015 stating that the person that hit me (I ran a red light by accident) is filing a judgment against me on the grounds that he (the driver that hit me) sustained serious bodily injuries, has suffered and will continue to suffer great pain of body and mind, has incurred hospital, doctors' and related bills in an effort to be cured of said injuries, and will incur in the future hospital, doctors', and related bulls in an effort to be cured of said injuries. I have been separated from my husband for 3 years now and have NOTHING.
I have MS and am getting SS disability for that. That is the only income I have. My husband and I are still legally married but have not lived together in almost 3 years. We have property that is in both of our names. The judgment is for $25,000. What should I do? I am just sick to my stomach. I was admitted to hospital and stayed for 3 days. The doctor thought I had passed out because my heart rate was at 30 and stayed at 30 for a while, but also had broken ribs and wrist, but doctor kept me to see what was going on with my heart. My insurance company said the car was not covered when I called them from hospital room.
When I purchased the car I had to have it financed and did so at the car dealer. They had record of when they called, whom they spoke to, ALL the details of my insurance but the insurance company made an error and failed to add it to my insurance. They said since I had had the car for 3 years and didn't notice that car was not on policy they couldn't make it right..it was my fault too for not realizing the car was not on policy. At the time I was still with husband and when bill came in just paid and didn't look at details. We have had insurance with this company for 35 yrs. so just knew it was covered. Agent admitted to making a mistake and also made another mistake about homeowners insurance that was caught after wreck.
Anyway, I am scared to death...what should I do? The letter from this attorney was postmarked 2 days before the statue of limitations ran out...so thought was over with. I didn't receive it until after the statue had run out. The letter was not sent to me certified or return receipt...it wasn't even sealed except with a small piece of take to back. Please, I need advice...thank you.