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 Posted: Sat Jun 06, 2009 1:13 am Post subject: insurance |
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| I have a question about this ENTIRE thread. If the Driver DID have a suspended DL, ALREADY, and was driving then he/she was driving illegally ALREADY. If he/she tried to file a claim for something, how could ANY Insurance Co. accept it if the driver was driving illegally? Just kinda curious about THIS one. |
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sdchargersfan
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| Posted: Sat Jun 06, 2009 2:56 am Post subject: |
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Because no where in the policy does it exclude coverage for that. It's illegal... so is driving with en expired tag, running a red light, or not stopping at a stop sign. All of these are, obviously, not excluded actions.
The penalty for driving without a DL is addressed by the criminal system... not the civil system. |
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tcope
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| Posted: Sat Jun 06, 2009 8:46 am Post subject: |
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| I feel that many would prefer not to inform the insurance company about the suspension since they would be driving anyway. So there is no way for the insurance company to know that the policy holder was driving with valid DL before an accident happens or the date of renewal arrives. And, since in this period the driver kept the policy active they can't deny the claim actually, they are bound by the terms of the contract. |
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kelvin
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| Posted: Sat Jun 06, 2009 12:00 pm Post subject: |
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As crazy as it sounds that's just the way it is..there's no exclusion for this...and a good thing..if you're the person that is (let's say) rearended by a non-licensed driver, how pissed are you going to be if his insurance company said, 'tough nuts, he's not licensed we aren't paying, use your collision coverage, pay your deductible, and rental out of your own pocket, claim closed!" Wouldn't make you very happy I'm sure..
Once the carrier knows (from the accident)...that their insured is not licensed any adjuster worth their salt, will immediately send in an underwriting report, requesting their policy be non-renewed, of course that's like closing the barn door after the horse got out....
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Lori
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| Posted: Sat Jun 06, 2009 1:06 pm Post subject: |
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| Quote: | | As crazy as it sounds that's just the way it is..there's no exclusion for this. |
I think there SHOULD be. Seems alomost like a 'Catch 22' thing. | Quote: | of course that's like closing the barn door after the horse got out....
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Good explaination, LORI. |
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sdchargersfan
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| Posted: Sat Jun 06, 2009 7:56 pm Post subject: |
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| No I agree with Lori. Good thing their isn't. How would you like to own a car and pay insurance for years and then get hit by a stupid driver with no license and then hear "sorry your SOL". I do not think their should eb coverage for the person who hit you. If it was their vehicle who hit another person I would pay the victims only in the accident and not cover the suspended driver. |
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fireyone
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| Posted: Mon Jun 08, 2009 1:45 am Post subject: insurance |
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| Ok..I see you point, FIREYONE. I don't think 'WE' should be punished for the stupidity of someone..that's true. |
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sdchargersfan
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| Posted: Thu Jun 11, 2009 2:55 am Post subject: |
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Thank you all for your comments,
I will see in a few days if they start paying the claims.
No I was not driving, a friend borrowed the car and hit a utility pole. Totaled the car and injured two other friends that were in the vehicle. All this while on a suspended DL
that I did not know of.
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Guest
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| Posted: Thu Jun 11, 2009 5:07 am Post subject: |
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Okay then, you weren't the driver with suspended license, IMO then you shouldn't be worried about the claim being covered (the utility pole and damages of your car) but I would doubt if the insurance company would entertain the medical bills of the driver and his passengers. The driver would then be responsible for their medical expenses.
I guess the friend of yours is also without coverage, right? |
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jeorge
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| Posted: Thu Jun 11, 2009 10:28 am Post subject: |
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| Quote: | but I would doubt if the insurance company would entertain the medical bills of the driver and his passengers. The driver would then be responsible for their medical expenses.
I guess the friend of yours is also without coverage, right? |
Of course they will some states 'may' prevent the driver, although I doubt it, and all the injured passengers will have a BI claim agains the policy as well...Biggest unfortunate is that the Insured (our poster) will pay the bill for all of it. Hugely increased premiums for this accident for years to come....it's always dangerous to lone your vehicle out...this type of thing happens, and everyone walks away leaving the vehicle owner paying the tab.
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Lori
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| Posted: Fri Aug 28, 2009 5:58 pm Post subject: Licences suspended |
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My 20 year on son is on my policy had had his licenses suspended for 6 month just yesterday due to a court case and violation of probation. Nothing to do with a car accident or dwi. Should I notify the insurance carrier. Will it be hard for him to get coverage again.
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msglite
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| Posted: Fri Aug 28, 2009 7:49 pm Post subject: |
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| Quote: | | Will it be hard for him to get coverage again. |
Probably not too hard to get coverage, but it'll cost him a bundle, are you sure in those court proceedings he wasn't ordered to get an SR22?
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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: Sat Aug 29, 2009 11:34 am Post subject: |
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Hi msglite,
I could empathize with you, since he is on your policy, and it's hard to get away with things these days. You've shown your concern regarding the chances of you son getting covered yet again.
But are you still prepared to keep him on your policy and share the consequences? Did you consider how it would affect your rates if he get's something worse in the future? Pinkfloydfan
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Pinkfloydfan
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