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 Posted: Thu Sep 08, 2011 2:12 am Post subject: MY SON WAS IN ACCIDENT HIT TWO RUNNERS WITH HIS PASSANGER MI |
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| MY SON DRIVES HIS DAD OLD TRUCK AND ONLY HIS DAD IS ON THE INSURANCE DID NOT HAVE HIM ON HIS PLAN HE JUST DROVE IT EVERY KNOW AND THEN |
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ANNIEBARON1
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| Posted: Thu Sep 08, 2011 2:15 am Post subject: |
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unless he is an excluded driver the insurance on the truck should pay up to the policy limts. I hope you have limits above your state minimum. However, you will need to find new insurance at a higher price since once the company finds out you will be non renewed.
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agent shsgg
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| Posted: Thu Sep 08, 2011 4:54 am Post subject: |
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Man... I hope someone is not really an agent as their user name suggests.
OP, you need to explain your situation so that it can be understood. |
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tcope
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| Posted: Thu Sep 08, 2011 12:34 pm Post subject: |
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Yeah....non-renewed is probably a bit harsh. In my agency you would be asked to complete an additional driver questionnaire for the son. Possibly not even a surchargable accident if he is not a resident of the household.
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DanWilliams
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| Posted: Fri Sep 09, 2011 3:15 pm Post subject: |
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Based on a PM from the OP, the state involved is Florida, which does not have a mandatory Bodily Injury protection requirement (only $10,000 PIP and $10,000 PD are required). Without BI coverage, the cost to defend and pay any judgment will be on the driver and owner of the vehicle.
Florida is also a COMPARATIVE NEGLIGENCE state. If the joggers involved are found to be 50% or more responsible for their injuries, they will not win a judgment. If less than 50% responsible, their damage award will be reduced by their percentage of involvement (i.e., $10,000 damages, 40% involvement = $6,000 award).
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MaxHerr
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| Posted: Fri Sep 09, 2011 3:24 pm Post subject: |
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FL is pure comparative, not modified (51%). That is, your recovery is reduced by the amout of your negligence. There is not threshold baring recovery.
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tcope1
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| Posted: Fri Sep 09, 2011 3:26 pm Post subject: |
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My bad.
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MaxHerr
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