Civil Summons Need Help

[Thomaswbo]

OKay so back in July 2008 I wreck my car hit a deer and went off the road into some trees. The insurance company paid the amounts of 2300 dollars n some odd change. But than they turn around and said I didnt have insurance at the time and wasnt covered by them so now they sent lawyer and a civil summons two years later to recollect the money that they say I now owe them.I got a ticket from the highway partol but than it was thrown out of court. for fail to maintain line control.

I paid my insurance...it was drafted out of my bank account..but i didnt have the full amount in there at the time so it got denied...so two weeks after the wreck after the insurance company paid for car rental and my total lost. They call me and tell me I wasnt covered and need to repay the amount back.

I told them I dont have a job and still to this date dont have a job. Now I got a Civil Summons in the mail yesterday. Stating whatever a civil summon state. I guess they taking me to court? it doesnt have a court date just told me I need to answer back within 60 days.

So my question is what do I do. I never had a Civil Summons before.

Do i not answer back?

how do i answer back?

The wreck happen in Vance county but they file papers in moore county?

how im going to pay back that amount if i own nothing and dont have a job?

Can someone please help me out im total lost! If yall have more question I can reply back to them with the proper answer thanks alot Thomas.

 

[mightymoose]

Your payment was denied just before the wreck due to insufficient funds... but did the insurance company accept payment any time after that to bring the account current?
Unless your coverage was canceled you should be able to fight this. However, if you never did make another payment, you won't have much to argue.

 

[Thomaswbo]

Nope....my payment wasnt denied until after the wreck they went ahead and paid for my car and a car rental...than two weeks or so later wanted everything back..never even asked for a payment to pay for that months pay since it got denied.

They told me I had coverage at the time...is why they paid everything out...than told me I didnt have coverage cause of the denied payment of insufficient funds.

So i guess i just ignore the summons and let it go against my credit? and i repay them there money whenever?