Do I legally have to pay someone back if there was no contract between me and them? I was in an accident 3 months ago. My step dad payed for it. I didn't ask for the money from him or didn't want it either. Now he just harasses me about it. I was wondering if I have to pay it back. What legal action can I take to get him the money? We had no insurance at the time. It wasn't my fault that we didn't have it. My parents were suppose to have insurance.