I got rear ended in an accident

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PostPosted: Wed Jan 11, 2012 4:34 pm   Post subject:   

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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PostPosted: Wed Jan 11, 2012 4:41 pm   Post subject:   

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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PostPosted: Thu Jan 12, 2012 2:46 am   Post subject:   

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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PostPosted: Wed May 23, 2012 1:37 am   Post subject: Got rear ened by a non insured car  

My insurance was reinstated minutes after the accident. I dont know if the vehicle that rear ened me was insured. The person driving the car was not the owner of the vehicle and the driver was not insured. Who can I get to pay for damages to my new 2012 corolla? I also purchased gap insurance from the dealer will this help me?


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PostPosted: Wed May 23, 2012 1:45 am   Post subject:   

Quote:
I also purchased gap insurance from the dealer will this help me?


GAP only applies in the event of a total loss. If you were not at fault, you file a claim against the owner of the vehicle and the driver of the vehicle.


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PostPosted: Fri Sep 14, 2012 8:30 am   Post subject: Auto accident  

What is the Nevada tort law in a situation such as this? How do you find out if you purchased Gap coverage when you purchased your car? What if the other party has not admitted coverage, yet they rear ended you? Their insurance wants the police report before sending out an adjuster, is that reasonable? Can a police report be amended?


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PostPosted: Sun Sep 16, 2012 7:13 am   Post subject:   

Quote:
How do you find out if you purchased Gap coverage when you purchased your car?


You look at your policy's DECLARATIONS PAGE to see if it is included as part of your coverage.



Quote:
What if the other party has not admitted coverage, yet they rear ended you? Their insurance wants the police report before sending out an adjuster, is that reasonable?


Unless there were injuries as a result of the collision, there is no requirement for a police report to be made, and the insurance company cannot delay investigating a claim on the basis of no police report. Besides, if they want a copy of the police report, they can get it themselves.



Quote:
Can a police report be amended?


Do you mean falsified after it has been submitted? That would be a problem.


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PostPosted: Thu Oct 04, 2012 10:19 pm   Post subject: rear ended in North Carolina  

Recently a vehicle hit me full force from the back while I was at a red light. Luckily it did not do much damage to my vehicle. The gentleman gave me his name, address and phone numbers and asked that his insurance co. not be notified so his insurance would not go up. Said he would pay for damages. Now, I am finding that I will need to go to the doctor's as I have terrific pain in my back and neck. (there is no police report.). Do I have any recourse?


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PostPosted: Fri Oct 05, 2012 11:19 am   Post subject:   

Quote:
Do I have any recourse?


Yes, the same whether he has insurance or not. 100% of your damages. You sue him in court. Then he has to let his insurance company know about the collision. You can always file a claim with his insurance company. Chances are, he doesn't have insurance, as required by law, which means you would have to sue him to recover a dime.



Understand this, any traffic collision -- private property or not -- that results in physical damage over a certain amount ($750 in CA, may be different in other states), or a collision resulting in physical injuries to any person, must be reported by the parties involved, at fault or not, to the DMV. Insurance companies also get their information from those reports.



You are probably required by law to report this collision. Your failure to report can cause YOU to lose your driving privilege.


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PostPosted: Sat Apr 27, 2013 9:36 am   Post subject: rear ended in tx with no insurance  

I was rear ended by a speeding driver trying to get home.. will I still get paid for my vehicle and my personal injuries


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PostPosted: Mon Apr 29, 2013 6:32 am   Post subject:   

Who was at fault? Anyway, you are definitely going to get compensated given the conditions that you already have UM/UIM and PIP/MedPay riders included in your basic liability insurance.

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