Legal Question in Insurance Law in Pennsylvania

At fault accident with no insurance.

I was in an accident in which I rear-ended the other party. Both vehicles were a total loss. Although I did not have car insurance my vehicle was covered under insurances purchased when my sister bought the car. And by the way...the car loan and title was in my sisters name. I have a few questions about this.

Am I responsible for the other parties vehicle, medical and workers compensation? The other party was in the ''scope of employment'' at the time of the accident.

Do I have the right to request all of the paperwork pertaining to the above mentioned items?

If by law I am responsible for all of these things is there any way I can make this situation better for me? What if the debt collector is not willing to accept a payment plan?

Will declaring bankruptcy be of any help? If I do claim bankruptcy will they pursue this debt through my sister? (So far they are sending all collection notices to ME and not my sister.)

Any help answering these questions will be greatly appreciated.


Asked on 8/15/06, 6:56 pm

2 Answers from Attorneys
Roger Traversa Arjont Group (Law Office of Roger Traversa)

Re: At fault accident with no insurance.

You asked about your rights and responsibilities regarding an at-fault motor vehicle accaccident where you were the operator but not owner.

You really need to consult an attorney right away. You may have liabilities regarding all damages resulting from an accident and you must consider all possible defenses. Should you be found liable you may have options available to you but you do not want to let matters get to that point.

Again, you really need to speak with an attorney who can assist you evaluate your options and protect your rights and interests.

Regards,

Roger Traversa

Email: [email protected]

Phone: 215.279.8940

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Answered on 8/16/06, 12:12 am
Richard Teitell Richard K. Teitell, Esquire, P.C.

Re: At fault accident with no insurance.

If your sister's car had auto insurance, & you were driving with her permission, you are covered by her insurance. Report this to her ins co right away. Her ins co will represent you.

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Answered on 8/16/06, 10:21 am


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