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初中生
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1st, you should inform your car insurance company about the letter.
2nd, contact a personal injury firm in your state and ask for advices ("In most cases", a good law firm will tell you that you don't need to hire a lawyer for your case unless you are being sued for excess and your insurance company is not willing to settle in good faith -- which means your insurance company is putting you at risk and therefore you need your own lawyer to oversee the case, or to defend you for the excess.)
Generally, you don't need to worry unless you have lots of asset in addition to your primary residence, such as lots of money, investments, and/or other real estate properties besides your primary residence. The plaintiff lawyer can't sue to take your primary residence but they will go after your money in the bank and other assets. But if the injury is serious enough, they might go after your salary if you have a good career. Otherwise they will not waste their money/labor/time to go after you.
In many states, you have no obligation to sign financial(include insurance) declarations/affidavits unless it's part of a settlement (in good faith). Otherwise, the plaintiff usually need to do perform an asset search before deciding to sue you for the excess.
Yes, the guy can be jumping and running around after a car accident but it doesn't mean he is not seriously injured. In many cases, injuries doesn't manifest until days or even weeks later and some can be life-threatening.
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