You need to answer the suit. It is best to have a lawyer do this for you, but you will have to pay the lawyer - if you had insurance as the law in Michigan requires, they would have hired/paid a lawyer for you. If you can prove that you were not at fault for causing the accident, they can not collect any money from you. You can also contest the extent of the injuries being claimed, but that will require getting the injured parties depositions, medical records and perhaps having either the records and/or the injured party examined by a doctor to determine if their injury claims are based on medical evidence. An alternative is to discuss your lack of insurance with their lawyer and encourage them to make an Uninsured Motorist claim against their own insurance policy. However, if their insurer pays this claim, the insurer may sue you for reimbursement. Of course, you can then still attempt to show you were not negligent or the insureds weren't hurt (if those things are true).
Answered on May 14th, 2013 at 7:57 AM