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
Total Comments: 6
Posted: Thu Sep 08, 2011 02:15 am Post Subject:
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.
Posted: Thu Sep 08, 2011 04:54 am Post Subject:
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.
Posted: Thu Sep 08, 2011 12:34 pm Post Subject:
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.
Posted: Fri Sep 09, 2011 03:15 pm Post Subject:
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).
Posted: Fri Sep 09, 2011 03:24 pm Post Subject:
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.
Posted: Thu Sep 08, 2011 02:15 am Post Subject:
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.
Posted: Thu Sep 08, 2011 04:54 am Post Subject:
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.
Posted: Thu Sep 08, 2011 12:34 pm Post Subject:
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.
Posted: Fri Sep 09, 2011 03:15 pm Post Subject:
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).
Posted: Fri Sep 09, 2011 03:24 pm Post Subject:
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.
Posted: Fri Sep 09, 2011 03:26 pm Post Subject:
My bad.
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