by Guest » Fri Apr 30, 2010 03:25 pm
From Minnesota.........I was rear ended by a person who was driving her boyfriends car. She does not have a drivers license and her boyfriend has no insurance.
I will be forced to use my insurance and pay my deductible.
What recourse do I have towards the unlicensed driver and the uninsured owner?
I will be forced to use my insurance and pay my deductible.
What recourse do I have towards the unlicensed driver and the uninsured owner?
Posted: Fri Apr 30, 2010 04:13 pm Post Subject:
Not much other than a lawsuit. Unfortunately. Nail 'em. Slimy uninsured people. These are the same folks that whine and complain that the government isn't buying them health care, too.
InsTeacher 8)
Posted: Sat May 01, 2010 07:09 am Post Subject:
I guess it's the owner's responsibility. He has to compensate for your loss.
Posted: Sun May 02, 2010 08:07 am Post Subject:
Do you have uninsured/underinsured motorist coverage? The same thing happened to me before. I paid the $500 deductible under the collision part of my policy in order to get my car fixed. Once my insurance company figured out that the other driver didn't have valid insurance, they sent me a $500 check for my deductible since I had the uninsured motorist coverage. BTW, it's a beautiful thing when insurance works as it should! :)
If you don't have the coverage, as mentioned, there is court. If you need to go this route, do it quickly before the person moves and you can't find him to serve him. The police report will have his address on it.
Good luck to you!
-Dave
Posted: Sun May 02, 2010 12:12 pm Post Subject:
The coverage you are talking about Dave is Uninusred Motorist PROPERTY DAMAGE...when most people say UM they are talking about (many) state required coverage for UM Bodily Injury. I think there is one maybe two states that require UMPD. I've never seen a UMPD coverage without any deductible (usually 200 dollar range), but doesn't mean it's not offered somewhere.
Milt, after your carrier issues payment they will go after the responsible party(s) to recoup their money and your deductible. The problem is you can't get blood from a turnip. You can however (in most states) bruise the turnip a mite. Some carriers are pit bulls when it comes to subrogation, some (unfortunately) are not. Talk to your adjuster and see what their process is for recovery.
Posted: Sun May 02, 2010 07:41 pm Post Subject:
The coverage you are talking about Dave is Uninusred Motorist PROPERTY DAMAGE...when most people say UM they are talking about (many) state required coverage for UM Bodily Injury.
Thanks for the clarification, Lori. Yes, it was the UM PD portion of my policy that covered it. I live in California and UM BI and UM PD are optional coverages. There was no deductible, and I just checked my policy and it doesn't list a deductible either.
I just thought that if the poster had the UI PD coverage he might use that to get his deductible back. But if that has a deductible itself, then that may not work so well.
Your point does trigger an insurance question for me, but I'll post that in another thread.
Thanks,
-Dave
Add your comment