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Started By
Message
ASKING FOR HELP regarding an accident with a police car
Posted on 11/13/20 at 6:16 pm
Posted on 11/13/20 at 6:16 pm
I have a question regarding an accident with a police car and if anyone has an experience with it, I would really appreciate the help. 
A cop hit my friend's car from behind. The policeman gave him his name and an incomplete report and rushed to a crime scene.
Now, here is the question:
Police cars don't have an insurance. State pays for their car crashes and the policeman told my friend that he should talk to his own insurance and the state pays the bill to his insurance (quite complicated).
He talked to his insurance and since he had collision coverage, they asked him to pay the deductible if state pays them, they will refund him. They also mentioned that 1) it is highly probable in these cases that they are not refunded by the state, and 2) it may increase his insurance rate (although the accident wasn't his fault!)
So, in this relatively complicated case of an accident with a cop, if the cop is at fault, what should the victim do? Pay the deductible and hope that everything goes well?!
A cop hit my friend's car from behind. The policeman gave him his name and an incomplete report and rushed to a crime scene.
Now, here is the question:
Police cars don't have an insurance. State pays for their car crashes and the policeman told my friend that he should talk to his own insurance and the state pays the bill to his insurance (quite complicated).
He talked to his insurance and since he had collision coverage, they asked him to pay the deductible if state pays them, they will refund him. They also mentioned that 1) it is highly probable in these cases that they are not refunded by the state, and 2) it may increase his insurance rate (although the accident wasn't his fault!)
So, in this relatively complicated case of an accident with a cop, if the cop is at fault, what should the victim do? Pay the deductible and hope that everything goes well?!
26
Posted on 11/13/20 at 6:18 pm to TheGuy
Sue
Posted on 11/13/20 at 6:20 pm to TheGuy
Let me preface this by saying I hate the sue happy society were in right now.
If he gets jipped a cent he needs to sue.
If he gets jipped a cent he needs to sue.
Posted on 11/13/20 at 6:23 pm to TheGuy
He needs a lawyer collar.
Posted on 11/13/20 at 6:24 pm to TheGuy
quote:that's true of all cases. not being at fault is irrelevant
it may increase his insurance rate (although the accident wasn't his fault!
Posted on 11/13/20 at 6:24 pm to TheGuy
Erry body gettin paid Boi! I was in the back seat and have a terrible neck injury
Posted on 11/13/20 at 6:25 pm to TheGuy
quote:
2) it may increase his insurance rate (although the accident wasn't his fault!)
It will definitely go up whether it was his fault or not.
Posted on 11/13/20 at 6:28 pm to TheGuy
Lawyer forsure.
Posted on 11/13/20 at 6:28 pm to TheGuy
You could get Gordon, but I prefer Dudley Debosier. They're the official injury lawyers of LSU Athletics.
Posted on 11/13/20 at 6:30 pm to TheGuy
I do not practice down there so the only advice I can give is see a lawyer. Up here there are questions of immunity and if you get by that whether you need to prove gross negligence rather than simple negligence if the officer was on an emergency run.
If it's just a property damage claim I would just let my own carrier pay it. If they want to pursue a claim against the police they might include the deductible.
Good luck.
If it's just a property damage claim I would just let my own carrier pay it. If they want to pursue a claim against the police they might include the deductible.
Good luck.
Posted on 11/13/20 at 6:31 pm to TheGuy
One call get it done
Posted on 11/13/20 at 6:32 pm to Brosef Stalin
quote:
It will definitely go up whether it was his fault or not.
You might wanna read Louisiana R.S. 22:1284. Mosts states have similar codified law.
Posted on 11/13/20 at 6:49 pm to TheGuy
I hope he got the officers name.
That’s a hefty lawsuit if he did
That’s a hefty lawsuit if he did
Posted on 11/13/20 at 6:51 pm to TheGuy
quote:
it may increase his insurance rate (although the accident wasn't his fault!)
Isn't this just an oft-repeated myth, like when teachers used to talk about your "permanent record?" I'm not a perfect driver, but I've never had my rates changed unless I changed ZIP codes or vehicles.
Insurance rates are based on mathematical algorithms and shite. The fact that some knucklehead backed into your Yukon XL at the Brother's on Gause Blvd (or whatever) is just noise.
How is this even supposed to work? I have a yearlong contract for insurance and it just automatically renews at the same rate.
Posted on 11/13/20 at 7:00 pm to TheGuy
Have you ever tried dealing with Louisiana government workers? I'm typically anti lawsuit, but probably worth it to just get an attorney.
Posted on 11/13/20 at 7:17 pm to 3deadtrolls
quote:
I'm typically anti lawsuit, but probably worth it to just get an attorney.
Everyone is until they aren't.
As for an attorney if it is just a PD claim you will be better off paying the deductible and letting your insurance handle the subrogation even if you never get the deductible back. If there is a PI claim it is a different matter.
Posted on 11/13/20 at 7:24 pm to TheGuy
Morris Bart
Posted on 11/13/20 at 7:25 pm to BorrisMart
Be thankful that this didn't happen in Denham Springs. I was outside talking to my neighbor and his truck was parked in his drive way. A police car was across the street. The cop was visiting a friend of his. A call came on his radio and the cop backing up hit the back of my neighbor's truck. The result was my neighbor's truck had a minor dent in the back of his truck. The cop came back to my neighbor's house and told my neighbor not to report him because he would get in trouble. He said that he was involved in a minor accident a couple of months earlier. My neighbor said that he wouldn't report him. Well, the ahole cop had to be sure. He wrote my neighbor a ticket because he claimed that my neighbor's car was parked the wrong way on the street. My neighbor got pissed and went to Livingston to report the entire incident. They told him that they had numerous complaints about the cops in Denham. They told him they would investigate. They didn't do jack shite and my neighbor refused to pay the ticket. When the day on the ticket came up my neighbor refused to go and pay the fine or go to court. He said that they would side with the cop. The next day the city came and towed his car away while he was at work. He went to Baton Rouge and got a lawyer. He made sure he got the best one in BR. I'm not going to mention the lawyer's name but his initials are LU. This crap is supposed to come up in court in February.
Posted on 11/13/20 at 7:38 pm to TheGuy
Posted on 11/13/20 at 7:44 pm to TheGuy
I know your friend wasn't black. If he was, he would have been dragged out of his car, beaten, and then murdered by the cop.
That's how I'm told it goes down anyway.
That's how I'm told it goes down anyway.
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