Legal Question in Insurance Law in Maryland

Can the insurance co bill me?

Last year, while living in VA, I borrowed a

neighbors car and wrecked it. Unknown to me,

this was a company vehicle. The car was

totaled. I had a non-owners insurace policy

at that time. I was then contacted by the

insurance company stating that I was an

unauthorized driver and they would not cover

any legal bills as a result of this

accident. Later, I received a bill from this

company threatening to take me to collections

if I did not pay for the vehicle that was

wrecked as I was not an authorized driver.

This insurance company is based in

Maryland. I began making payments to this

company. I sent a letter after about six

months asking that they send me monthly

statements so I could better track my debt. I

received this generic computer printout with

the column headers " amt due, amt pd, and

date pd" penned in at the top- no account #

or company letterhead or anything that

indicated that this collection was

legitimate. Now I am wondering if I am liable

for this debt or if they were liable for

their own vehicle.I would like to reiterate

that I had no idea this was a company

vehicle.


Asked on 4/15/99, 5:06 pm

1 Answer from Attorneys
Daniel Press Chung & Press, P.C.

Re: Can the insurance co bill me?

The owner of the car or its insurance co. may have a claim against you if you were not authorized, and your insurance may or may not have a duty to cover you. You need to have a lawyer review the detailed facts and determine whether you are or are not liable. You may have a defense to paying or have a claim against your insurer to force it to pay.

Daniel Press

Chung & Press, P.C.

6723 Whittier Ave., Suite 302


Read more
Answered on 4/19/99, 10:52 pm


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