What steps should I take next and what can I expect regarding an accident in a rental car?
Question Details: I was driving a rental car and was completely stopped at a stop sign. It was early morning, storming out and visibility was poor. I checked before pulling out and out of nowhere hit a guy on a bicycle. I was not going fast as I was completely stopped at a stop sign, just pulling away. I thought I had the rental car insurance but didn't. I did not own a car so did not have my own insurance. There was a police report written up, no one was ticketed. The guy was shaken up but up walking around. He was a lifeguard so he knew the paramedic who showed up and one kept pushing him to take the ambulance to the hospital. There was minimal damage to the rental car, only a cracked grill and no visible damage to his bike. He said his knee hurt but was bruised from being caught between the car bumper and bike. Now I have an attorney contacting me asking for my insurance info which I do not have because I did not own a car at the time. If responsible, I do not mind paying what is owed but I do not want to get taken advantage of. I am not sure if I should speak to the attorney or get my own attorney. I am a woman who lives pay check to pay check and I do not own anything. I have had a very rough few years and I am trying to get back on my feet. I just need to be pointed in the right direction on what steps I need to take next?
You may want to contact Legal Aid to obtain an attorney if Legal Aid takes this type of case.
Eventually you will be held liable for the accident and there will be a monetary judgment against you. At that time, it will be advisable to file bankruptcy. Chapter 7 bankruptcy is straight liquidation which will eliminate that debt.