Back in 2015 our family took a vacation to California. We drove to the airport and a family friend drove our car back from the airport and was told to drop our car off at my sister's house along with the keys. 1 week later I woke up to a phone call from this family friend hysterically crying stating she got into a car accident. Upon further explanation she never dropped our car off at my sister's house, but instead took it to a concert and drove it to and from work for an entire week resulting in a rear end collision in a parking lot as she was pulling into work. Keep in mind at the time we were in a totally different state halfway across the United states on vacation, and had no idea she would lie and keep the car instead of dropping it off as instructed. She filed a police report at the scene and my car had to be towed as it was not drivable. No one went to the hospital at the scene and there was minimal damage done to the other individuals vehicle. (Apparently she ran into the back of his work trailer). I immediately called our insurance company and let them know I never gave her permission. They looked more into it that week and since she never renewed her car insurance the responsibility I BELIEVE got passed down to us.
So here we are 3 and a half years later recieving a letter from the other parties insurance company stating our insurance company denied the bodily injury portion of the claim and that we owe $21,604.49 signed by a subrogation handler. We did not have bodily injury protection as this car was just a second vehicle barely used. Can someone give me more insight on this? How does one get a letter 3 and a half years later stating they owe $21k due to bodily injury when the man never went to the hospital at the scene and had minimal damage. Shouldn't his insurance company be suing this family friend of ours since I clearly stated that I did not give her permission to drive our car. I'm just at a loss and depressed looking at this letter.
Thank you all in advance
So here we are 3 and a half years later recieving a letter from the other parties insurance company stating our insurance company denied the bodily injury portion of the claim and that we owe $21,604.49 signed by a subrogation handler. We did not have bodily injury protection as this car was just a second vehicle barely used. Can someone give me more insight on this? How does one get a letter 3 and a half years later stating they owe $21k due to bodily injury when the man never went to the hospital at the scene and had minimal damage. Shouldn't his insurance company be suing this family friend of ours since I clearly stated that I did not give her permission to drive our car. I'm just at a loss and depressed looking at this letter.
Thank you all in advance