u/Big_Marzipan3904

Asking for a friend

Harden 15+ points LeBron 22+ points Marcus Smart 7+ rebs+asts​​​​​​​​​​​​​​​​

Get me food once u cash out

Title: Got a $15,631 subrogation demand — wasn’t even driving, didn’t know about the accident. Need advice. Back in November 2025 my car was involved in an accident but I wasn’t driving — a friend was. Didn’t even find out it happened until about a month later. Once I found out I tried contacting my insurance multiple times but got basically no response. They called me once asking for a statement and never followed up. Eventually switched insurers because they were pressuring me about my policy. Now I just got a letter from another insurance company saying they paid out $14,631 to their insured plus a $1,000 deductible, totaling $15,631.22 — and they want it by May 14th. I’ve emailed and left voicemails with my old insurer referencing my claim number. Waiting to hear back. My questions: ∙ Can my old insurance deny me for late reporting if I genuinely didn’t know about the accident? ∙ Are they obligated to handle this subrogation demand? ∙ What happens if they deny the claim? ∙ Should I already be looking for a lawyer?

Back in November 2025 my car was involved in an accident but I wasn’t driving — a friend was. Didn’t even find out it happened until about a month later. Once I found out I tried contacting my insurance multiple times but got basically no response. They called me once asking for a statement and never followed up. Eventually switched insurers because they were pressuring me about my policy. Now I just got a letter from another insurance company saying they paid out $14,631 to their insured plus a $1,000 deductible, totaling $15,631.22 — and they want it by May 14th. I’ve emailed and left voicemails with my old insurer referencing my claim number. Waiting to hear back. My questions: ∙ Can my old insurance deny me for late reporting if I genuinely didn’t know about the accident? ∙ Are they obligated to handle this subrogation demand? ∙ What happens if they deny the claim? ∙ Should I already be looking for a lawyer? Any advice from people who’ve dealt with something similar appreciated. LOCATION: Texas