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 Posted: Wed Jun 18, 2008 2:06 am Post subject: My son was involved in |
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| My son was involved in a MVA in my car and the insurance is refusing to pay since he is an excluded driver on my policy. Is there anything I can do about getting my car fixed by my insurance company? |
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butterfly
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| Posted: Wed Jun 18, 2008 10:51 am Post subject: |
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NOPE, not a thing...you excluded him then ALLOWED him to drive...did he cause any damage to anyone elses car? Or hurt anyone?
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Lori
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| Posted: Wed Jun 18, 2008 11:38 am Post subject: |
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| Did you read the exclusion that your agreed to and that they sent so that you could read it? Was their any confusion as to what this "exclusion" was for? |
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tcope
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| Posted: Wed Jun 18, 2008 12:03 pm Post subject: |
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And WHY was he driving your car?
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Tue Jun 24, 2008 7:08 am Post subject: |
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i dont think you have to do something in this case.consult your lawyer, he will give you a much beter idea
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tusharagg87
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| Posted: Tue Jun 24, 2008 8:47 am Post subject: |
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Tushar, I doubt that the lawyer even can be of much help to the OP. It was a negligence on her part to allow her son to drive the car when he is an excluded driver in her policy.
The exclusion section of the policy permits the policy holder to disallow any particular member of the family form driving the car in order to lower the premium rate. Many opt for this in order to avoid an exuberant premium hike in the policy that may arise due to the inclusion of the high risk driver of the family. |
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carol
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| Posted: Tue Jun 24, 2008 10:32 am Post subject: |
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I agree with Carol...an attorney likely will just cost them more...bottom line, an 'excluded' driver drove the vehicle...rolled the dice and lost...  not the consequences kick in...sorry..
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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