Automobile insurance and are they playing games beside me?
Okay confusing situation, my sister and I got into an accident yesterday, the saloon is on her insurance, (she has full coverage). It wasn't until today that my neck started bothering me. So I am going to the doctor. I call her insurance company, they knew I was a passenger and they said that I needed to progress to my insurance company because the PIP on my insurance would cover me in the accident (we are within Florida) I explained the problem with that is that I be actually in the vehicle on the way to register my new coup¨¦ I just got yesterday and on my mode to get insurance, and prior to that I did not have insurance. That my end car I just sold a week ago and it be still in my name but I dropped insurance because I be just waiting to receive a duplicate title in the correspondence so that I could sign it to the new buyer since I lost the original, but very soon she is telling me she doesn't know if my sisters insurance will cover me even though I was within the car, how does this work in the state of Florida?
Answers:
Your policy is primary, and your sister's policy is secondary. If your policy be flat out cancelled, then your sister's policy should pay. But it's pretty unusual to repeal your policy for "a week". If you don't have to sign a new application and payment a new deposit, your insurance policy is probably still in effect.
State Farm sucks! Sorry not an answer but a much needed vent.Thank you.
I work for a highest insurance company and checked our guidelines. For our company, the driver's PIP will cover guest passengers ONLY if the guest does not have his/her own coverage. I'm not sure if it's different for other companies, but next to our company and your situation, it would appear your sister's PIP would cover you since you had no coverage.
It's pretty straight-forward in our guidelines, so I'd meditate you should be able to get a straight-forward answer pretty flowing from your sister's company.
First things first....you need to find out if your insurance own insurance is still in place.
Even though you 'dropped' it you might still hold paid premium that has not be used yet and if so, your coverage may still be in place. (If you already received a reversal notice then it is not contained by place).
If it is not, this part is very clear.
Your sister's PIP will cover you.
All you hold to do is say you were uncovered by other insurance and her insurance will cover you.
One other complicating factor, if you are injured adequate and the other driver was at fault, you might still know how to file a tort lawsuit against the at-fault driver if you meet one of the tort thresholds. In that suitcase, you'll want to find an attorney who can sue the at-fault driver, whose liability insurance will pay you, if you qualify.
If your sister have insurance for medical bills of passengers in the vehicle (which is generally part of the full coverage), they should cover it, even if you *do* hold insurance.
Just push back and they will give. They other say no at first since most people won't argue. If they don't want to play, verbs up the specks of your sister's insurance and show them why they are wrong. If the accident was someone else's criticize, go talk to their insurance.
I don't know if FL have different law, but, normally, the passenger are covered as well. The insurance is designed to cover the car and everybody contained by the car. Since it sounds like your sister cause it, her insurance is responsible for your medical cost at least (and often times they would foot you lump sum so you would sign a release promising not to come back with more claim later). Have your sister look at her policy and trade name sure passengers are covered and go vertebrae to them and demand to talk to an adjuster.
do you have the chance of suing your sister or the other driver? her/their insurance would then pay the claim.
If you did not have insurance at the time, then her insurance will see in (PIP).
Check to see if your sister have med pay on her auto policy. If she does it should pay for medical expenses up to the boundary of the coverage. Could be $1,000 up to $5,000. Was there another vehicle involved in the catastrophe? If so who was at fault? The other drivers liability coverage will see in if they were at blame.
Related Questions:
Answers:
Your policy is primary, and your sister's policy is secondary. If your policy be flat out cancelled, then your sister's policy should pay. But it's pretty unusual to repeal your policy for "a week". If you don't have to sign a new application and payment a new deposit, your insurance policy is probably still in effect.
State Farm sucks! Sorry not an answer but a much needed vent.Thank you.
I work for a highest insurance company and checked our guidelines. For our company, the driver's PIP will cover guest passengers ONLY if the guest does not have his/her own coverage. I'm not sure if it's different for other companies, but next to our company and your situation, it would appear your sister's PIP would cover you since you had no coverage.
It's pretty straight-forward in our guidelines, so I'd meditate you should be able to get a straight-forward answer pretty flowing from your sister's company.
First things first....you need to find out if your insurance own insurance is still in place.
Even though you 'dropped' it you might still hold paid premium that has not be used yet and if so, your coverage may still be in place. (If you already received a reversal notice then it is not contained by place).
If it is not, this part is very clear.
Your sister's PIP will cover you.
All you hold to do is say you were uncovered by other insurance and her insurance will cover you.
One other complicating factor, if you are injured adequate and the other driver was at fault, you might still know how to file a tort lawsuit against the at-fault driver if you meet one of the tort thresholds. In that suitcase, you'll want to find an attorney who can sue the at-fault driver, whose liability insurance will pay you, if you qualify.
If your sister have insurance for medical bills of passengers in the vehicle (which is generally part of the full coverage), they should cover it, even if you *do* hold insurance.
Just push back and they will give. They other say no at first since most people won't argue. If they don't want to play, verbs up the specks of your sister's insurance and show them why they are wrong. If the accident was someone else's criticize, go talk to their insurance.
I don't know if FL have different law, but, normally, the passenger are covered as well. The insurance is designed to cover the car and everybody contained by the car. Since it sounds like your sister cause it, her insurance is responsible for your medical cost at least (and often times they would foot you lump sum so you would sign a release promising not to come back with more claim later). Have your sister look at her policy and trade name sure passengers are covered and go vertebrae to them and demand to talk to an adjuster.
do you have the chance of suing your sister or the other driver? her/their insurance would then pay the claim.
If you did not have insurance at the time, then her insurance will see in (PIP).
Check to see if your sister have med pay on her auto policy. If she does it should pay for medical expenses up to the boundary of the coverage. Could be $1,000 up to $5,000. Was there another vehicle involved in the catastrophe? If so who was at fault? The other drivers liability coverage will see in if they were at blame.
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