請教老貓，撞車問題

兩年多前(July 2012）的事故：我在紅燈變換時走神了，撞到前麵一輛小車，這輛車沒有停住又撞了前麵一輛。我的車前蓋變形，中間車的後保險杠明顯受傷，最前麵的車損傷很小。當時三輛車都能開，每個人都能很正常的走路。大家都開到旁邊停車場等警察處理。他們都有我的保險信息。直到今年5月才收到我的保險公司一封信，之前沒有人跟我聯係，以為保險公司都已經搞定。

保險公司的信說, the middle driver has filed a liability claim against your policy as a result of the accident.  We have responded to this by taking the following action(s): Make an offer to settle the bodily injury claim.  Based on our liability decision, we will not pursue collection of any damages you sustained, including your deductible, if applicable. Therefore, we surrender to you our rights to recover your damages.  You may pursue the other party for damages you feel you are entitled. However per the policy agreement under the subrogation rights, we are entitled to any collections or recoveries you receive over the deductible amount you paid.

收到這封信我也沒有采取任何行動。可是今天收到法院的civil citation.  保險公司信中所說的那位要告我 賠償以下幾項：A. Reasonable medical care and expensed in the past.  B. Reasonable and necessary medical care and expenses which will in all reasonable probability be incurred in the future. C. Physical pain and suffering in the past.  D. Physical pain and suffering in the future, and E. Loss of earnings in the past.

想請教老貓，我應該采取什麽步驟應對，準備什麽材料？

謝謝

所有跟帖： 

• 別人要告你，總歸要把訴狀送到你的手裏 -lexm5- ♂ (154 bytes) () 08/11/2014 postreply 18:28:38

• 謝謝你的信息。 -布衣之才- ♂ (0 bytes) () 08/11/2014 postreply 18:42:10