| Message |
Author |
|
 Posted: Fri Apr 30, 2010 3:25 pm Post subject: unlicensed & unisured rear ended me |
|
|
From Minnesota.........I was rear ended by a person who was driving her boyfriends car. She does not have a drivers license and her boyfriend has no insurance.
I will be forced to use my insurance and pay my deductible.
What recourse do I have towards the unlicensed driver and the uninsured owner?
_________________
Register Now to have your Insurance queries solved. |
|
milt
Guest
|
|
| Posted: Fri Apr 30, 2010 4:13 pm Post subject: |
|
|
Not much other than a lawsuit. Unfortunately. Nail 'em. Slimy uninsured people. These are the same folks that whine and complain that the government isn't buying them health care, too.
InsTeacher  |
|
InsTeacher
Moderator
Joined: 13 Aug 2007
Posts: 1343
Location: Oregon, USA
119.93 Dollars($)
|
|
| Posted: Sat May 01, 2010 7:09 am Post subject: |
|
|
I guess it's the owner's responsibility. He has to compensate for your loss.
_________________
Register Now to have your Insurance queries solved. |
|
anonymous00
Guest
|
|
| Posted: Sun May 02, 2010 8:07 am Post subject: |
|
|
Do you have uninsured/underinsured motorist coverage? The same thing happened to me before. I paid the $500 deductible under the collision part of my policy in order to get my car fixed. Once my insurance company figured out that the other driver didn't have valid insurance, they sent me a $500 check for my deductible since I had the uninsured motorist coverage. BTW, it's a beautiful thing when insurance works as it should! 
If you don't have the coverage, as mentioned, there is court. If you need to go this route, do it quickly before the person moves and you can't find him to serve him. The police report will have his address on it.
Good luck to you!
-Dave |
|
dave18
New member
Joined: 26 Apr 2010
Posts: 49
12.32 Dollars($)
|
|
| Posted: Sun May 02, 2010 12:12 pm Post subject: |
|
|
The coverage you are talking about Dave is Uninusred Motorist PROPERTY DAMAGE...when most people say UM they are talking about (many) state required coverage for UM Bodily Injury. I think there is one maybe two states that require UMPD. I've never seen a UMPD coverage without any deductible (usually 200 dollar range), but doesn't mean it's not offered somewhere.
Milt, after your carrier issues payment they will go after the responsible party(s) to recoup their money and your deductible. The problem is you can't get blood from a turnip. You can however (in most states) bruise the turnip a mite. Some carriers are pit bulls when it comes to subrogation, some (unfortunately) are not. Talk to your adjuster and see what their process is for recovery.
_________________
"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. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Sun May 02, 2010 7:41 pm Post subject: |
|
|
| Quote: | | The coverage you are talking about Dave is Uninusred Motorist PROPERTY DAMAGE...when most people say UM they are talking about (many) state required coverage for UM Bodily Injury. |
Thanks for the clarification, Lori. Yes, it was the UM PD portion of my policy that covered it. I live in California and UM BI and UM PD are optional coverages. There was no deductible, and I just checked my policy and it doesn't list a deductible either.
I just thought that if the poster had the UI PD coverage he might use that to get his deductible back. But if that has a deductible itself, then that may not work so well.
Your point does trigger an insurance question for me, but I'll post that in another thread.
Thanks,
-Dave |
|
dave18
New member
Joined: 26 Apr 2010
Posts: 49
12.32 Dollars($)
|
|
