Accident assistance

I have no advice, but this sounds like a nightmare.

Prayers sent

I see what you’re saying.

It just pisses me off that I’m being sued. I’m assuming it’s because I was in a brand new truck (didn’t even have it for 24 hours ) and the shite stain of a human thought he could get some $ out of me or my insurance company. It won’t happen but he had no insurance, car wasn’t registered in his name, I had to file a claim on my insurance, and this kid gets to walk free AND sue me? No. I want every cent from that McDonald’s paycheck.

Not that it’s a whole lot, but my insurance policy bumped up after this ~$200/6months

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It just pisses me off that I’m being sued.

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My wife was visiting her sister in Pensacola. Some guy ran a stop sign (I think he was texting) and hit her. No question it was this guy's fault. He even received a ticket on the scene for running the stop sign.

He hires a billboard lawyer and sues my wife for being a "negligent driver" and sues me for "co-titling a vehicle with a known negligent driver". State Farm deals with all that but it is a total BS case that will easily be thrown out. The real shame is State Farm cuts this guy a check for like $5 or $10k to make it go away because it is cheaper than them fighting a winning case.

That whole deal made me leave State Farm. They represented us and the driver so they were on both sides of this transaction. My wife's Armada was totaled and they tried to play hard ball to make me take a lower amount. There was a real conflict of interest on that case and I bounced right after it was settled.

If this is in Louisiana, I believe we have no pay / no play here. So he can sue you, but your insurer just has to show up and court and say "Kid didn't have insurance" and the judge says "goodbye" and your insurer won't have to pay him a cent. Won't settle either.

If you want to take out your frustration on someone, I'd go after the kid's attorney. let him/her know that you know this is a joke and that the kid was not only at fault, but also has no insurance. And let him/her know that if the attorney doesn't remove himself/herself from the lawsuit in 5 days, you are going to file a complaint with the attorney disciplinary board. they do investigate stuff like this.

Any chance the dad owned the car that hit you?

congrats on your auto rates going up now for next 5 years.

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So he can sue you, but your insurer just has to show up and court and say "Kid didn't have insurance" and the judge says "goodbye" and your insurer won't have to pay him a cent. Won't settle either.

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wrong. OP needs to consult an attorney

If I am driving uninsured and an 18-wheeler rear ends me and I’m now a quadriplegic, I only lose out on the first $15,000 of any potential recovery.

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Next day, I call their insurance company. Come to find out, dad & son have same name. Cop didn’t catch it and insurance company won’t pay my claim because the son was driver in the vehicle (dad wasn’t in vehicle)

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Was the son an excluded driver? Insurance follows the vehicle, so if I loan my truck out to a friend and they cause a wreck while driving then my insurance would cover liability for injuries or property damage to the other party even though I wasnt in the truck. Only way I can see their insurance denying the claim was if the dad had excluded the son as a driver bc of his driving record.

But unless you have injuries then I wouldnt worry about suing them. Let your insuance company handle it. If your insurer thinks they can recoup money, they will subrogate against the other party. If they recoup their money, you get your deductible refunded back

What Tiger Prawn said is correct. It’s likely the kid didn’t have insurance because he didn’t pay his premiums.

Also. Louisiana is no pay no play. One of the few things the states gets right. If he isn’t insured he loses out on any compensation up to state minumiums. Which is 15k per person injury and 25k in property damage.

It doesn’t matter if he is “included”. The insurance goes with the vehicle and there is coverage unless he is specifically “excluded”