| Message |
Author |
|
 Posted: Thu Sep 25, 2008 6:03 am Post subject: Uninsured neighbor bummped into my car |
|
|
| Quote: | | MY CAR WAS BUMPED WHILE STATIONARY BY A WOMAN PICKING UP A NEIGHBOUR 'SHE WAS SEEN BY THREE WITNESSES;BUT DENIED IT TURNS OUT SHE IS NOT INSURED. I AM 75 HOW DO I STAND I WANT THIS AGGREIVE WOMAN CHARGED |
Since the OP, W Park, has left this query in my homepage and had decided not to start a thread...I'm putting it before you all, so that we together can suggest him the desired course of action.
Regards,
Juanita |
|
Juanita
Moderator
Joined: 04 May 2007
Posts: 550
Location: Idaho
112.83 Dollars($)
|
|
| Posted: Thu Sep 25, 2008 6:13 am Post subject: |
|
|
Hi W Park, since you haven't mentioned your state of residence, it'd be difficult for us to suggest your appropriate course of action. However, since the other driver was uninsured, your option is to turn the claim to your insurer if you have the Uninsured Motorist Coverage.
You can also sue the woman in the small claim court to recover for the damages, but it involves time and money. And also getting a judgement doesn't ensure compensation for the damages. The judgement may turn ineffective if the woman doesn't possess assets that can be liquidated to compensate you for the losses.
Regards,
Juanita |
|
Juanita
Moderator
Joined: 04 May 2007
Posts: 550
Location: Idaho
112.83 Dollars($)
|
|
| Posted: Thu Sep 25, 2008 6:24 am Post subject: |
|
|
Hi Juanita, I guess its now happening quite often that people are discovering after getting involved in an accident that the other driver who has caused the damages is uninsured. It's a pity that the losses then have to be borne by the victim, who is otherwise covered under his own policy.
The number of uninsured motorists is increasing at an alarming rate. And this is affecting the insurance rates to a large extent. I'd rather say that it has remained a major contributor of the overall increase in the auto insurance premium rates nationwide. |
|
jeorge
Senior member
Joined: 07 Oct 2005
Posts: 757
129.27 Dollars($)
|
|
| Posted: Thu Sep 25, 2008 6:41 am Post subject: |
|
|
Hi jeorge, I agree with you. However, IMO, that the uninsured motorists and the auto insurance premium rates are moving in a vicious cycle, which is hard to break.
The number of uninsured motorists has pushed the auto insurance premium rate at a higher level, which in turn is making the auto insurance a luxury product for many. The drivers, given the inflation rare and the cost of fuel, then may decide to drop the auto coverage for good. This is again contributing to the number of uninsured vehicles on the road.
Therefore, the drivers are suggested to maintain the uninsured motorist coverage to avoid finding themselves in a situation where they can't receive compensation for their damages caused by an uninsured/underinsured driver.
Regards,
Juanita |
|
Juanita
Moderator
Joined: 04 May 2007
Posts: 550
Location: Idaho
112.83 Dollars($)
|
|
| Posted: Thu Sep 25, 2008 11:18 am Post subject: |
|
|
Juanita of course your friends best course of action is to file the claim under his collision coverage and have his company go after the at fault party, via their subrogation unit...if he doesn't want to do that, a certified letter to the party demanding payment or payment arrangements...if not then small claims as you've said...really the only options I can see.
_________________
"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: 7541
Location: Missouri
172.15 Dollars($)
|
|
| Posted: Thu Sep 25, 2008 3:50 pm Post subject: insurance |
|
|
| I had a 'friend' back up into my car. There wasn't TOO much damage. Actually..........................she had much more damage than I did. She din't have Insurance. She asked if I would NOT put in a claim on my insurance. I probably should have. Also...what I didn't know, was the 'friend' lost her license for a brief time. She has seizures. She had to go for so long WITHOUT having one, BEFORE she got her drivers license back. So.....I kind of felt like I was between a 'rock and a hard place.' |
|
sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 1674
2.90 Dollars($)
|
|
