Other driver's family is threatening to sue me and claiming they have video — am I screwed?
This whole situation has me losing sleep and I just need some outside perspective from people who've been through something similar.
About a month ago I was in a fender bender at a busy intersection. We were both making the same turn and ended up in the same lane — honestly one of those accidents where both people are probably convinced the other person caused it. Minor damage, no injuries, we exchanged info and went our separate ways.
Here's where it gets complicated. I recently found out my coverage lapsed — long story, billing mix-up, totally my fault and I own that. So I've been handling this without insurance backing me up.
Now the other driver's daughter (not even the driver herself) has been texting me saying they hired an attorney and have surveillance footage proving I was at fault. She wants me to pay for repairs directly or they're taking me to small claims.
I honestly don't know if the footage claim is real or a bluff. I did take photos right after it happened and my angles clearly show what I think happened, but I never thought to go around asking local businesses if their cameras picked anything up. Now I'm kicking myself wondering if I should have done that from day one.
I talked to one attorney briefly and he seemed pretty calm about it, said to wait and see if they actually file. But the uncertainty is killing me.
A few things I'm genuinely anxious about:
- If there IS footage and it goes against me, how bad is small claims without a lawyer?
- If there's NO footage, is it just their word vs. mine?
- Did I blow it by not hunting down surveillance myself?
Any advice or similar experiences would mean a lot right now.