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Message
re: Any auto insurance Baws around?
Posted on 7/21/22 at 9:37 am to Vlad
Posted on 7/21/22 at 9:37 am to Vlad
quote:Your insurance will cover your vehicle's damage, minus your collision or UMPD deductible. They're not going to pay for the torn up yard because you're not liable for that damage.
So far, only for rental coverage. I assume this will also cover damage to my truck and property damage. I tore the shite out of some folks yard.
0
Posted on 7/21/22 at 9:38 am to Vlad
quote:This would be out of collision, as Alabama does not have uninsured motorist property damage.
I assume this will also cover damage to my truck and property damage
quote:They are likely screwed.
I tore the shite out of some folks yard.
Posted on 7/21/22 at 9:57 am to AlxTgr
quote:Damn, I hate to hear that. They were super nice folks and actually sitting on their porch at the time and witnessed the accident. The POS that caused the accident bailed on foot afterwards and ole Baw on the porch hopped on his 4 wheeler ran him into a corn field close by. A K9 sheriff had him screaming in about an hour. It was awesome!
They are likely screwed.
This post was edited on 7/21/22 at 11:26 am
Posted on 7/21/22 at 10:37 am to Vlad
State Farm did for me. I used my uninsured motorist policy to cover the damages and about 2-3 years later I received a check and letter stating that they had located and sued the car owner for the damages and returned my deductible.
Posted on 7/21/22 at 11:46 am to BruslyTiger
quote:This is exactly what I was asking about. I figured this would be best case scenario. I knew they would go after him for damages paid out but not sure if that would include my deductible. I was def not going to try and track down this POS for my $250 deductible.
about 2-3 years later I received a check and letter stating that they had located and sued the car owner for the damages and returned my deductible.
This post was edited on 7/21/22 at 11:47 am
Posted on 7/21/22 at 12:49 pm to Vlad
I have had banks call me because the uninsured dude was trying to get a loan. Have had them roll the debt into the loan on judgments I thought were worthless.
Posted on 7/21/22 at 1:09 pm to Vlad
quote:
Will my insurance company chase down a worthless POS that was driving around without insurance or will this be left up to me? Also, I have heard that when using uninsured motorist, this will affect my rates, is that a true statement?
They might try to chase down the guy, depending on how much they pay out. If you actually have the guy's info, they'll get a judgment against him and, at a minimum, ask DPS to suspend his license.
If the accident was not your fault, your UM rates should not be affected because you pursued a claim. If they are, file a complaint with the DOI.
If you were comparatively at fault for the accident, then depending on how much fault, it might affect your premium.
^^^^^^^^^^^^^^^This is Louisiana. I cannot speak to Alabama.
This post was edited on 7/21/22 at 1:11 pm
Posted on 7/21/22 at 1:33 pm to udtiger
quote:Thanks. Just curious, are you an Insurance Baw or a Law Baw? The reason I ask, is there any possible scenario where an adjuster can come up with his own conclusion that differs from the accident report?
If you were comparatively at fault for the accident, then depending on how much fault, it might affect your premium.
This post was edited on 7/21/22 at 1:34 pm
Posted on 7/21/22 at 1:42 pm to Vlad
quote:
Thanks. Just curious, are you an Insurance Baw or a Law Baw? The reason I ask, is there any possible scenario where an adjuster can come up with his own conclusion that differs from the accident report?
Law Baw.
Yes. The adjuster is not bound by the accident report and any findings of fault by the LEO and can make his/her own fault determinations (of course, they should conduct an investigation beyond the accident report). Now, that's not gospel (the judge or jury is the ultimate fact finder), but unless you file suit (or go to arbitration if that's allowed/required in Alabama), that determination will control the handling of your UM claim (and any payments).
Posted on 7/21/22 at 1:53 pm to udtiger
quote:Gotcha, thanks again!
Law Baw
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