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QuestionInsurance Question  My son lives in Florida, he hit a lady in the back end. At the time he didn't know he had no insurance, tags expired and a suspended license. Long story there. Anyway, he paid almost $1,000 in court fines for all of that and got his license back, he also paid $250 to the lady for her deductible and she signed a paper for that. Now Allstate (her insurance) is calling him and saying he has to pay $6,000 to them or the state or they will suspend his license again. Is this how it works in Florida or are they just trying to get him to pay? The only thing he owns is his bed! He also now has insurance and tags.

AnswerAuto Insurance Answer

It would appear that the insurance of the person that he hit is subrogating or contacting him in order to have him, the at fault party, pay for the cost of the repairs to the other party's vehicle.

This is normal in Florida and many other states. The Florida Department of Highway Safety and Motor Vehicles (HSMV) states that if you were involved in a crash with property damage only, no bodily injuries, where you were at fault and were uninsured you should immediately purchase a personal injury protection and property damage liability (compulsory coverage) insurance policy.

Next you should negotiate with each person that sustained property damages to obtain releases for their damages. If the person is insured, you should negotiate with the person's insurance company as the company assumes the rights of compensation (thru subrogation) since they have reimbursed the insured for their loss. You can obtain a release form from your nearest driver license office.

If you are unable to pay the amount of damages in full, you may pursue a monthly payment agreement. With the insurance coverage and releases or monthly repayment agreements, you will be able to provide them upon notice from the department to avoid unnecessary suspensions of your driver license, tags, and registrations.

So, yes it does appear that the HSMV can suspend your son's license, tags and registration if he is does make a payment agreement with the insurance company to repay the monies that paid out from the accident he was at fault for.His agreement/document signed with the person that he hit after he paid her deductible may have been a release so that she would not come after him but likely it did not release him from being sued from the insurance company for the amount that they paid out.

If your son needs to get more information on what to do in his situation he may try calling the Department of Highway Safety and Motor Vehicles, Customer Service Center, at 850- 922-9000.

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