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Started By
Message
re: Involved in traffic accident with driver without insurance
Posted on 9/28/14 at 10:08 pm to diablo blanco
Posted on 9/28/14 at 10:08 pm to diablo blanco
And this would be why Louisiana boasts such high car insurance rates.
1
Posted on 9/28/14 at 10:18 pm to diablo blanco
quote:
She showed the trooper her insurance card and was not ticketed for no insurance.
However, her insurance refuses to repair my car, because her policy was under cancellation for non-payment at the time of the accident.
do you have collision and comprehensive?
If so your insurance will go after her.
Do you have liability with Uninsured motorist? then see above.
If you have liability only a civil suit is your only option.
Posted on 9/28/14 at 10:32 pm to diablo blanco
quote:
Didn't have uninsured motorist coverage.
Hey at least you saved a couple bucks on your premiums right?
Posted on 9/28/14 at 10:57 pm to biglego
Uninsured motorist coverage only covers bodily injury, unless you have UMPD.
If you have comp/collision coverage you can't carry UMPD. If you have comp/collision coverage your only option would be to file a claim on your insurance, get your car fixed, then let your insurance sort out the details. You could file civil suit but if she can't pay premiums then she probably can't pay you.
While UMBI is great to have, it amazes me how many people have no clue what they are talking about or buying when it comes to coverages.
If you have comp/collision coverage you can't carry UMPD. If you have comp/collision coverage your only option would be to file a claim on your insurance, get your car fixed, then let your insurance sort out the details. You could file civil suit but if she can't pay premiums then she probably can't pay you.
While UMBI is great to have, it amazes me how many people have no clue what they are talking about or buying when it comes to coverages.
Posted on 9/28/14 at 11:50 pm to rpg005
Why does that amaze you? We talk about all kinds of shite here that we have no clue about.
Posted on 9/29/14 at 5:11 am to biglego
its like this. if you have full coverage your car will get fixed period. if only liability you get nothing.
this is louisisna you have to always have uninsured motorist property damage for all the retards with no insurance. it will also cover a hit and run which is great. because most without ins will hit you and run.
i was in someones car one time and tapped someone at a red light and the car i was in didnt have ins. they got their car fixed and sent me the 3500 dollar bill. and it flagged my license so i had to go into a installment agreement and make monthly payments to get the flag off of my license.
this is louisisna you have to always have uninsured motorist property damage for all the retards with no insurance. it will also cover a hit and run which is great. because most without ins will hit you and run.
i was in someones car one time and tapped someone at a red light and the car i was in didnt have ins. they got their car fixed and sent me the 3500 dollar bill. and it flagged my license so i had to go into a installment agreement and make monthly payments to get the flag off of my license.
Posted on 9/29/14 at 8:02 am to rpg005
quote:
Uninsured motorist coverage only covers bodily injury, unless you have UMPD.
If you have comp/collision coverage you can't carry UMPD. If you have comp/collision coverage your only option would be to file a claim on your insurance, get your car fixed, then let your insurance sort out the details. You could file civil suit but if she can't pay premiums then she probably can't pay you.
While UMBI is great to have, it amazes me how many people have no clue what they are talking about or buying when it comes to coverages.
I was coming to post this although this does not constitute legal advice and there is no client relationship with anyone in this thread. So much dumbassery in this thread.
Posted on 9/29/14 at 8:07 am to Motorboat
No way Motorboat, you're OP's lawyer now. Start drafting the demand letter.
Posted on 9/29/14 at 8:08 am to Flyin'Cajun
quote:
And this would be why Louisiana boasts such high car insurance rates.
that and the fact that there isn't a commercial break without an ad for a ambulance chasing lawyer.
Posted on 9/29/14 at 8:13 am to brbowhunter
quote:
if you have full coverage your car will get fixed period.
"Full coverage" is a very loosely used term in the insurance world. A lot of people are sold "full coverage" to mean "enough to satisfy state minimums". Please check your coverages carefully before assuming full coverage means the whole universe of options out there.
Posted on 9/29/14 at 8:59 am to stout
quote:
As far as you suing her for anything else, good luck. She probably doesn't own shite, and the best you will do is get a judgement on her. The cost out of pocket of doing so, when you may never see a dime, likely isn't worth it though.
THIS and yes, it pissed me off to no end. I did get the a-hole in the end. He was charged with a DWI, but his Dad had some pull. I didn't let off and pushed the DA on the case till he had to go to court. Judge threw the book at him for third DWI.
Posted on 9/29/14 at 9:40 am to diablo blanco
Good luck is all I have to say. A guy totaled my car a couple years back and had no insurance. I've gotten a whole $100 out of it. (Paid $1000 deductible for my insurance to cover )
Posted on 2/15/15 at 12:17 pm to Jackie Chan
I got an estimate for the damage, but before I could get it repaired, she was rear ended by someone else and the vehicle was totaled. So, the driver of the vehicle that hit her this time was insured and I was paid for the vehicle.
Posted on 2/15/15 at 12:26 pm to Jackie Chan
Why, didn't the po-po go immediately apprehend this scofflaw?
No?
Broken window theory my arse.
No?
Broken window theory my arse.
Posted on 2/15/15 at 12:45 pm to diablo blanco
quote:
she was rear ended by someone else and the vehicle was totaled. So, the driver of the vehicle that hit her this time was insured and I was paid for the vehicle.
So instead of her getting her car fixed they gave you the check? What did I miss here?
Posted on 2/15/15 at 12:49 pm to diablo blanco
was she hot? Take it out in trade.
Posted on 2/15/15 at 2:02 pm to diablo blanco
quote:
Didn't have uninsured motorist coverage
Well this is going to be an expensive lesson in how insurance policies work.
Posted on 2/15/15 at 2:48 pm to Jcorye1
not this time, Jcorye
Posted on 2/15/15 at 3:33 pm to diablo blanco
Lesson #1 of living in Louisiana - you absolutely MUST pay for uninsured coverage.
Posted on 2/15/15 at 3:47 pm to Will Cover
quote:
quote:
Didn't have uninsured motorist coverage.
People here do realize that your insurance company will still pay for your vehicle minus your deductible if you get in an accident with someone w/o insurance.
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