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re: Car insurance question: friend in accident, not his fault, he is uninsured
Posted on 4/8/16 at 6:04 pm to LSUGrad9295
Posted on 4/8/16 at 6:04 pm to LSUGrad9295
Insurance policies list a time with the inception date, usually 12:01am. Your friend may not be screwed but it depends on inception time and if there are any clauses that prevent crap like what your friend is trying to pull from happening.
0
Posted on 4/8/16 at 6:13 pm to LSUGrad9295
Your uninsured friend is the reason everyone's premiums are so high.
Posted on 4/8/16 at 6:17 pm to LSUGrad9295
The new insurance won't save him because the police report will list him as uninsured and any attorney worth his salt is going to see the date of the policy and the date of the accident the same and investigate.
That said, he's only out the minimum. So if his damages are $30,000 then you deduct $15,000 (the minimum) and he'll collect $15,000.
That said, he's only out the minimum. So if his damages are $30,000 then you deduct $15,000 (the minimum) and he'll collect $15,000.
Posted on 4/8/16 at 6:18 pm to Antonio Moss
I hope you aren't right.
He shouldn't get a penny.
He shouldn't get a penny.
Posted on 4/8/16 at 6:21 pm to N2cars
Has OP set up a gofundme for his "friend" yet?
Posted on 4/8/16 at 6:21 pm to N2cars
quote:
I hope you aren't right.
He shouldn't get a penny.
Im absolutely right. No Pay, No Play only deducts minimum insurance requirement.
Posted on 4/8/16 at 6:22 pm to Antonio Moss
Well, that sucks.
Posted on 4/8/16 at 6:24 pm to Chad504boy
I hope the other insurance company fights him for every nickel.
You know, like they usually do, even when you are a legit, premium-paying customer.
You know, like they usually do, even when you are a legit, premium-paying customer.
Posted on 4/8/16 at 6:25 pm to Antonio Moss
quote:
Im absolutely right. No Pay, No Play only deducts minimum insurance requirement
Interesting. Would the PD also be deducted or does this only apply to BI?
Also, why the hell are MLL so low in LA?
Posted on 4/8/16 at 6:26 pm to N2cars
quote:
I hope the other insurance company fights him for every nickel.
You know, like they usually do, even when you are a legit, premium-paying customer.
I practiced insurance defense litigation for five years. I thought we paid out too much, too often.
Posted on 4/8/16 at 6:28 pm to BamaFan89
quote:
Also, why the hell are MLL so low in LA?
They just raised them. Up until about five years ago, minimum required coverage was 10,000/20,000
Posted on 4/8/16 at 6:31 pm to BabyTac
quote:
and if one has money and is willing to risk it he should be able to. I for one have the bare minimum it takes to be lega
I bet IRL you're not as rich as you think you are.
Posted on 4/8/16 at 6:31 pm to BamaFan89
quote:
Interesting. Would the PD also be deducted or does this only apply to BI?
15,000 deduction for BI
25,000 deduction for all property
Posted on 4/8/16 at 6:31 pm to Antonio Moss
quote:
I thought we paid out too much, too often.
People would be absolutely shocked at the BS we pay all of the time just to avoid litigation and protect our insureds.
quote:
They just raised them. Up until about five years ago, minimum required coverage was 10,000/20,000
Eeesh
This post was edited on 4/8/16 at 6:32 pm
Posted on 4/8/16 at 6:32 pm to subMOA
quote:
I bet IRL you're not as rich as you think you are.
Right. People like him are usually the same people that think "accidents happen" and he shouldn't be responsible for disabling someone.
Posted on 4/8/16 at 6:32 pm to BabyTac
quote:
Insurance is a crock of shite and if one has money and is willing to risk it he should be able to
You can in Louisiana, just deposit 30K with the State Treasure's office and you are good.
Posted on 4/8/16 at 6:33 pm to Antonio Moss
Insurance companies have become adversarial, even to their own customers, on legitimate, honest claims.
They are a necessary evil and they lack basic customer service skills. The adjusters I've dealt with couldn't pour pass out of a boot with the directions on the heel.
Also, people in this thread claiming UM drivers as the reason our rates are so in Louisiana are incorrect. It is a factor, but the sue-happy populace is by far the main reason.
They are a necessary evil and they lack basic customer service skills. The adjusters I've dealt with couldn't pour pass out of a boot with the directions on the heel.
Also, people in this thread claiming UM drivers as the reason our rates are so in Louisiana are incorrect. It is a factor, but the sue-happy populace is by far the main reason.
Posted on 4/8/16 at 6:33 pm to Antonio Moss
quote:
15,000 deduction for BI
25,000 deduction for all property
Thanks for the answer.
Posted on 4/8/16 at 6:35 pm to BamaFan89
quote:
People would be absolutely shocked at the BS we pay all of the time just to avoid litigation and protect our insureds.
Definitely my experience. About 1/3 of may cases were absolutely legitimate and the plaintiff deserved the big money. About 1/3 were semi-legitimate where the plaintiff was injured by we paid too much because he/she malingered. The last 1/3 were crap where a plaintiff used a minor accident as an excuse to stop working. That's where surveillance becomes your best friend.
Posted on 4/8/16 at 6:37 pm to N2cars
quote:
Also, people in this thread claiming UM drivers as the reason our rates are so in Louisiana are incorrect. It is a factor, but the sue-happy populace is by far the main reason.
It's more because our courts give tremendous payouts for crap claims.
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