by LMAbernathy » Wed Jan 30, 2008 07:48 pm
Hi I'm trying to figure out who needs to get insurance on a car and for how much?
Ok I inherited a car-that I am not going to drive (its a straight drive) I know I should just sell it but I don't want to yet. I think I am either going to let my boyfriend (30 years old) or my little bro (18 years old) drive it or possible they can share. It is a crappy car but it gets good gas mileage.
I now have a lot of assets I need to make sure are protected...ie if they get in a wreck I don't want to be sued. Both boys will dog this little car, I don't trust either one of their driving. However, I think just sitting in the driveway probably isn't good for it either.
What people need to be insured and what limits should I get. I have my own policy, my boy friend has his own policy and my little bro shares a policy with my mom and step-dad
Ok I inherited a car-that I am not going to drive (its a straight drive) I know I should just sell it but I don't want to yet. I think I am either going to let my boyfriend (30 years old) or my little bro (18 years old) drive it or possible they can share. It is a crappy car but it gets good gas mileage.
I now have a lot of assets I need to make sure are protected...ie if they get in a wreck I don't want to be sued. Both boys will dog this little car, I don't trust either one of their driving. However, I think just sitting in the driveway probably isn't good for it either.
What people need to be insured and what limits should I get. I have my own policy, my boy friend has his own policy and my little bro shares a policy with my mom and step-dad
Posted: Sun Feb 03, 2008 10:31 am Post Subject:
That is a good point hummingbird, she could sell it. But if it is crappy, she won't get much out of it. She could just put it in their names and be done with it all too. Then they won't be borrowing her car, lol.
Posted: Sun Feb 03, 2008 05:26 pm Post Subject:
Thats a good point too. So she has 2 options .Mine being the less headache for her....lol Why not just sell it to them? I am thinking like this ,if it is a crappy car and they will tear it up anyway,then they will be nad at her cause she either sold them a crapy car or they wasted all that money for insurance and the car is broken.Oh well, all the options are here so she can make a good decision.She needs to look out for herself though in this and not worry about the others.Some people are not appreciated for what they do but what they didn't do is always an issue.
Posted: Wed Feb 10, 2010 02:14 am Post Subject: excluded driver
we were hit by a car that had insurance but the driver was excluded from the policy so there ins will not pay can we sue the registered owner of the car for negligemnt intrusrment are just the driver. if so how do we go about wording the suit.
Posted: Wed Feb 10, 2010 06:00 am Post Subject:
If you file suit, you file it against the driver and the owner. State law may only allow you to sue the driver but this does not concern you... it's one complaint and you can simply two one, two, fifty name in the "defendant" spot.
If you are going to file in small claims court you obtain the correct paperwork from the court, fill it out and then server the driver and owner. You also file with the court. You should also be able to obtain this information at the courthouse or online for your area. There is also a clerk at the court that can give you the correct forms and some information. They can help with the filing though.
Keep in mind that you obtain a judgement from the court. Not money if you win. You then have to attach that judgement in some way.
Posted: Wed Feb 10, 2010 09:57 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.
Posted: 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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