what kind of car insurance and for who

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PostPosted: Wed Feb 10, 2010 9:57 am   Post subject: Excluded driver  

The owner of the car could be held responsible for the damages here as the driver is excluded from the policy. You can file a claim with the insurance company of the registered car owner.
Veronica
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PostPosted: Wed Feb 10, 2010 11:17 am   Post subject:   

When you get your paper work from the court house..Ask the clerk if your jurisdication allows garnishment of wages with a small claims court judgement. If so make sure you ask the judge (in open court if he rules in your favor) to make the defendent provide their employment information, so you can file (said) garnishment. Because that may be the ONLY way you can collect on a judgement...as T mentioned 'getting' a judgement isn't nearly as tough as 'collecting' on a judgement. Wink

How much damage are we talking about here? Did you have collision coverage on your vehicle? If so your carrier can handle you damages then go after them for repayment...and you wouldn't have to mess with it.
Does the owner ADMIT to giving the excluded driver permission? If not and the excluded driver just 'took' the vehicle, I don't know that you'll be able to get any type of judgement on that owner. I'd name everyone including the drivers, second cousins, but I doubt that owner will have to pay if the kid (I'm assuming it was a kid) just 'took' the vehicle. An owner isn't ever responsible for the damages caused by a theif.


VERONICA, that's what the poster already did! and the claim is denied because the driver was excluded!

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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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