Question nearly getting into an auto calamity and not have insurance?
My friend recently got into a minor vehicle accident recently but the vehicle she was driving was not hers and did not own insurance.
The accident was her culpability which ended up damaging the front tire on the other saloon.
The other person does have insurance and the insurance company claimed the damages to be $7000.00. The saloon she hit was a newer model honda civic and the car she be driving was an old nissan quest van.
What are my friends option as far as getting any kind of help from anyone to sustain pay the hefty bill. Would calling the other persons coup¨¦ insurance help in perchance lowering the bill?
What does one do in this kind of situation.
She is a student and independent working individual part time enough to rate bills and tuition funds with some help from financial aid.
any back appreciated
thanks
Answers:
She be at-fault for the accident. However, the owner of the vehicle should be flipping a portion of the bill since the vehicle was uninsured. The owner may be considered vicariously liable for the deface especially if he/she allowed the borrower to use the vehicle knowing it did not have liability coverage(I assume this loss did not occur surrounded by NH of WI where insurance is not required).
Also, she should check to see if she is covered under her own liability coverage or a household member's liability coverage. This coverage is considered "excess primary" when the driver is not the owner. It is possible her parent's, sibling's liability coverage may cover her as a household branch under their coverage. Source(s): Claims - 22 years
1) You mean neither your friend or the owner of the borrowed vehicle have car insurance?
2) When you say she is independent, you indicate she isn't listed as a driver on someone else's policy, such as her parent's policy?
3) Also, she is independent, meaning she is not a household extremity of her parents who does have insurance?
If the answer is yes to all the above question, there isn't any other possible options. She will necessitate to work out a payment plan with the other insurance company. Good luck.
Calling the other persons insurance carrier?? For what? They compensated to have their insureds (note: insured) vehicle repaired from an accident she cause, now they want their money reimbursed. That's what insurance is all roughly.
Does she have coverage for herself, if so she can contact her own carrier. If not, she's on the hook for the amount that be paid out. She can call the other insurance company and be put on a fee plan.
Doesn't matter if your borrowing a friends, mothers, sister, boyfriends car, spawn sure either they or you have insurance coverage...otherwise, it's a knotty lesson learned. Source(s): Claims Adjuster 16 yrs
Since it was her denounce, she is responsible for the damages. If she has a car next to insurance, her insurance might cover this accident. In any event, the victim's insurance company can sue her, prove the damages and get a pronouncement against her. The judgment will be valid for many years (20 surrounded by some states) and earns interest at better than market rates. It will allow the insurance company to garnishing her wages, seize her bank accounts and lien her material property until the judgment is paid within full.
People in situations like this regularly file bankruptcy. Source(s): 20+ years practicing statute
the dead beat owner should comfort out because they didn't have insurance. against the law surrounded by most states.
a smart man learns from his own mistakes, a knowledgeable man learns from others and a fool never learns. If you don't enjoy insurance you shouldn't be driving, hence the situation your "friend" is in. The insurance will go after her assets as she is financially responsible. Tell her to ride the bus or hike if she can't afford insurance. Source(s): 20 years insurance adjuster
She is on her own. The insurance company will just sue her within court and since she is in the wrong they will win sorry.
Related Questions:
The accident was her culpability which ended up damaging the front tire on the other saloon.
The other person does have insurance and the insurance company claimed the damages to be $7000.00. The saloon she hit was a newer model honda civic and the car she be driving was an old nissan quest van.
What are my friends option as far as getting any kind of help from anyone to sustain pay the hefty bill. Would calling the other persons coup¨¦ insurance help in perchance lowering the bill?
What does one do in this kind of situation.
She is a student and independent working individual part time enough to rate bills and tuition funds with some help from financial aid.
any back appreciated
thanks
Answers:
She be at-fault for the accident. However, the owner of the vehicle should be flipping a portion of the bill since the vehicle was uninsured. The owner may be considered vicariously liable for the deface especially if he/she allowed the borrower to use the vehicle knowing it did not have liability coverage(I assume this loss did not occur surrounded by NH of WI where insurance is not required).
Also, she should check to see if she is covered under her own liability coverage or a household member's liability coverage. This coverage is considered "excess primary" when the driver is not the owner. It is possible her parent's, sibling's liability coverage may cover her as a household branch under their coverage. Source(s): Claims - 22 years
1) You mean neither your friend or the owner of the borrowed vehicle have car insurance?
2) When you say she is independent, you indicate she isn't listed as a driver on someone else's policy, such as her parent's policy?
3) Also, she is independent, meaning she is not a household extremity of her parents who does have insurance?
If the answer is yes to all the above question, there isn't any other possible options. She will necessitate to work out a payment plan with the other insurance company. Good luck.
Calling the other persons insurance carrier?? For what? They compensated to have their insureds (note: insured) vehicle repaired from an accident she cause, now they want their money reimbursed. That's what insurance is all roughly.
Does she have coverage for herself, if so she can contact her own carrier. If not, she's on the hook for the amount that be paid out. She can call the other insurance company and be put on a fee plan.
Doesn't matter if your borrowing a friends, mothers, sister, boyfriends car, spawn sure either they or you have insurance coverage...otherwise, it's a knotty lesson learned. Source(s): Claims Adjuster 16 yrs
Since it was her denounce, she is responsible for the damages. If she has a car next to insurance, her insurance might cover this accident. In any event, the victim's insurance company can sue her, prove the damages and get a pronouncement against her. The judgment will be valid for many years (20 surrounded by some states) and earns interest at better than market rates. It will allow the insurance company to garnishing her wages, seize her bank accounts and lien her material property until the judgment is paid within full.
People in situations like this regularly file bankruptcy. Source(s): 20+ years practicing statute
the dead beat owner should comfort out because they didn't have insurance. against the law surrounded by most states.
a smart man learns from his own mistakes, a knowledgeable man learns from others and a fool never learns. If you don't enjoy insurance you shouldn't be driving, hence the situation your "friend" is in. The insurance will go after her assets as she is financially responsible. Tell her to ride the bus or hike if she can't afford insurance. Source(s): 20 years insurance adjuster
She is on her own. The insurance company will just sue her within court and since she is in the wrong they will win sorry.
Related Questions: