mva with family member, diffficuly with insurance

by pmharrris » Wed Nov 16, 2011 08:22 am

Today me and my husband left our house in 2 separate vehicles. dropped the baby off at day care. Then we wound up in alot of traffic. I was right behind him. I saw flashing lights behind me looked in riew vew mirrow for a second and before I saw anything i hit into the back of his truck. I just wrecked my new 2012 chevy cruz 10 days old. I am fully insured of course, and had paid cash for the car earlier this month. Had all the extras on my insurance. However my husbands truck is an older chevy silverado 2001. my insurance company had no problem with fixing my vehicle but will not fix his. I was at fault completely but they said since we were married it would be like suing ourselves and if he had full coverage instead of liability they would have fixed it. This does not sound right. full coverage wouldnt help him if he was not at fault. and were not trying to sue anybody I just want my cars fixed. both of them. Any suggestions or is this correct?

Total Comments: 9

Posted: Wed Nov 16, 2011 08:35 am Post Subject:

It is correct I'm sorry to say. Your liability insurance will pay you are _legally liable_ for another person's property damage. Since you are married you cannot be legally liable to your husband (you can't sue him). Also, I _think_ that there might be an exclusion on the policy for one insured being liable to another insured.

Posted: Wed Nov 16, 2011 10:25 am Post Subject:

I think your husband's collision coverage (if he has one) would cover the damage to his car.

Since the accident was between you and your husband, and no third party was involved, your and your husband's cars would have to be fixed by the respective policies.

Posted: Wed Nov 16, 2011 10:51 am Post Subject:

I think your husband's collision coverage (if he has one) would cover the damage to his car.


...and if he had full coverage instead of liability they would have fixed it

Posted: Wed Nov 16, 2011 11:17 am Post Subject:

Sorry I missed that.

Honestly, I'm not aware how else the damaged car can be covered by the insurance.

Is there any other way? Please don't be offended for me asking that question.
I'm just learning few insurance facts from you experts. :)

Posted: Thu Nov 17, 2011 04:49 am Post Subject:

I'm just learning few insurance facts from you experts.


There's nothing wrong with learning, but you frequently post misinformation about things about which you have no knowledge. People with less knowledge than that might rely on your misinformation and get into trouble as a result.

That's like pointing a gun and pulling the trigger . . . only to say, "Oops, I'm sorry I shot you, I didn't know it was loaded."

Feel free to post, but confine your advice to the things you actually know.

Posted: Thu Nov 17, 2011 05:42 am Post Subject:

I did not think there was anything wrong with the posts. I don't think they were "wrong" and I don't see it as really mattering.

Posted: Thu Nov 17, 2011 06:26 am Post Subject: car wreck with husband.

well my husband was very upset with my insurance agent, he went and spoke with a personal injury lawyer today. The lawyer told him my insurance would have to be liable for his repairs on the truck as well as his injuries since he was not at fault. Also he never signed anything with my insurance. I had added him as a driver and we had no exclusions that Im aware of. I hope my hopes are not falsely up. weve been told so many different things. Very difficult to have two cars down . mine may be a total loss. My husband had nothing broke but is very sore, and its all my fault.

Posted: Thu Nov 17, 2011 10:46 am Post Subject:

Max I don't think I posted any misleading information in this thread. I missed the part where the OP mentions that her husband doesn't have coverage other than liability, for which I did apologize.

The only misinformation I think I've ever posted is about consulting an attorney, on which you corrected me by pointing out how unnecessarily expensive it can get.

I just wanted to know, how can the OP actually get reimbursement for her husband's damages if her policy doesn't pay the liability costs, which I think they should.

Now I might be wrong but what else can be done other than consulting a lawyer, which the OP is actually doing?

I'm participating in the forums just to help people with the little knowledge I have and also to gain knowledge from the experts.

If I am not confident about the reply I'm giving I always mention - You should wait for an expert to answer your query.

I can only hope that my posts don't offend anyone and can actually guide few people towards the right direction.

Posted: Fri Nov 18, 2011 12:32 pm Post Subject:

What's the matter Max? two people here seem to be asking about what actually should be done in this situation.
Seems like you are more interested in criticizing others rather than provide any real info to the OP.

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