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 Posted: Wed Jan 11, 2012 4:34 pm Post subject: |
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| Quote: | | The girl was 19 years old and handed us a temporary insurance card |
A temporary insurance card is issued on the day you sign the contract and it covers the time it takes for your carrier to get you the permanent ‘proof of insurance’ card. The card thus proves that the person is covered.
This is how I see it now:
It couldn’t have been that the girl was covered under non-owner’s insurance since she is living under the same roof with the person to whom the car belongs. So there are only two scenarios.
1) The girl had produced a temporary insurance card so she must have had insurance. The girl’s mother purchased insurance AFTER the accident, filed the claim and was therefore denied. In this case you need to find out about the girl’s carrier and file it against them.
2) The vehicle was completely uninsured at the time of the accident and the girl produced a fake temporary insurance card. You can get one of those printed off the internet for a few bucks. The mother lied about having called her insurance company (because she had none) and then to cover for her daughter and such future incidents, she went ahead and purchased insurance AFTER the accident and then filed the claim. Insurance coverage is not retroactive and therefore the insurance company is denying the claim.
Inform your insurance company and provide them with every little detail that you have on the at-fault party. They will investigate the matter and take care of things, including the repair works for your vehicle. If you want to further pursue the matter, you can talk to an attorney about it. As for your husband’s physical injury, his medical bills (if any) should be covered if you have UMBI (Uninsured Motorist Bodily Injury) coverage under your policy. |
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Heller
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Joined: 02 Jan 2012
Posts: 272
23.87 Dollars($)
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| Posted: Wed Jan 11, 2012 4:41 pm Post subject: |
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| Quote: | | I was Rear Ended from behind. The impact was so hard that it knocked my blue tooth out my ear, & my hair out of my hair clip. |
You are not at fault in this situation and the other party has already admitted to the fault. It wouldn’t matter that you don’t have insurance. Go ahead and file a claim against the other party’s insurance company. They will send over an adjuster to assess the damage caused to your vehicle and write you a check for the appropriate amount. There is nothing to be scared of. It’ll just take a little more time than a week to sell the car.
Remember: If you are planning to sell your car, surrender, cancel or modify your auto insurance policy on the day of the sale itself, just before you legally transfer ownership of the vehicle. |
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Heller
Senior member
Joined: 02 Jan 2012
Posts: 272
23.87 Dollars($)
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| Posted: Thu Jan 12, 2012 2:46 am Post subject: |
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| Quote: | | It wouldn’t matter that you don’t have insurance. |
It DOES matter if you were also thinking of attempting to collect for general damages called pain and suffering. Most states have reformed this small part of tort law to prevent recovery by uninsured drivers or their passengers who are injured in a collision not their fault.
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CA-licensed P&C Broker-Agent and Life Agent. CA Insurance Lic #0596197. Now investigating insurance company abuses, and providing litigation support and expert witness services. Send me your questions, and I'll send you my answers. |
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MaxHerr
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Joined: 29 Nov 2009
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Location: Pomona CA
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