Car accident question!!! tired of waiting for lawyer?

bundysmom

The majority of P.I. lawyers don't get involved in the property damage aspect of claims b/c there's no money in it for them...they don't get the kickbacks from the shops like they do from the doctors.......

Whether the other guy has insurance or not isn't an excuse for not mitigating your damages. If you have insurance to cover your car then you better well get your car fixed...you're hurting no one but yourself.

As for the guys insurance....just b/c there's a valid insurance card in the vehicle doesn't make the insurance policy valid. Every insurance policy is different, and yes the insurance can deny coverage if someone other than the NAMED INSURED or LISTED DRIVER(S) is driving the vehicle...there are some policies out there that are that strict.

If your state is a state that allows the actions of the driver to be imputed to the registered owner of the car...you're gonna have to pursue the registered owner in civil court. If you're barred from pursuing the registered owner, you'll have to pursue the driver in civil court or their insurance company. The driver may have a valid policy that covers your accident, but you or your insurance company will have to find this out.

CowboyBill

Why did you go running to a damn lawyer? An insurance adjuster could explain your options much better than he could but TOO LATE. They are bound by law to only communicate with your legal representative until you settle the claim or FIRE him. Your 'lawyer' will do nothing and bill you thousands of dollars.
Welcome to the world of personal injury lawyers.

la428282

I hope every person who tells everyone to "GET A LAWYER!?" reads this question.. it made me chuckle a bit b/c people think lawyers are the magic solution.. maybe they will now see they are not.

Heres the fact of the matter. You are not telling us the whole story about why the claim was denied. If it was as simple as he was not on the policy and this was the only time hes driven the car.. you would be covered. There has to be more... perhaps he was excluded from the policy.. perhaps the policy was lapsed..... perhaps they did not determine their driver at fault (after all.. just b/c the opposite direction had a greenlight.. doesnt mean you necessarily would... their left turn lane could have had a turn signal.)

Point of the story.. if they say theres no coverage.. there is no coverage. Your lawyer isnt going to change that. Maybe you shouldnt have ran to one in the first place w/o speaking to their carrier. You need to go through your own collision coverage or UMPD coverage.

lil southern girl

The insurance goes with the vehicle, not the driver. The only exception is if the driver is specifically excluded - listed by name - on the policy. Ask your lawyer if that is the case. If it's not, get another lawyer, because he really should have determined this detail up front.

morequestions

it doesn't matter if he was on the policy. tinsurance goes with the car, not the driver. the insurance company has to pay you. whoever owns the policy will have to deal with higher rates.

and the first guy is right. call the office and tell them you don't have all the time in the world and that you're getting another lawyer.

kc_brig

if you report it to your insurance company, they normally take care of contacting the other person's insurance company or find a way to make the guy pay.

notaclue

I think your lawyers full of donkey doo! Who's he really working for?
If someone hits you with another vehicle, that vehicles insurance is responsible for the accident damages and injuries. That vehicle can't be legally operated on a public highway without insurance in effect except for one or two states in the country. Then, if that were the case, your "uninsured-under insured" of your policy would take effect!
I'd find another lawyer before making any irrational decisions!
Stay away from those local backyard attorneys and look for larger "firms" who have expertise and half a brain!
Don't take the advice of Cowboy Bi the "claims guy" who works for the criminals that want to ultimately rake you over the coals! Get yourself a competant attorney!

rodie5582

and there is only one lawyer in the whole world?

Joy

If you have uninsured motorists insurance, you may get some money. If you have the license plate # and can locate the guy, you can sue him. You may even be able to have him prosecuted for leaving the scene of an accident.

fisherwoman

Basically, you were hit by an uninsured motorist, your insurance will cover you, but only up to a point. You could sue, garnish the wages, just because you win a suit though, doesn't mean you'll get money, that guy can ignore it forever, if he doesn't care about his bills, or his ethics are poor, you won't see a dime, no it's not right.

Garacaius

This is why I always pay a little extra for uninsured motorist coverage. The fact that he can't get any money is probably why he is taking long to get back with you. He is working more on other cases. I would think that they could go after the driver in civil court, assuming that he has property ( he may not since he was borrowing a car ). I feel sorry for you, this is not right. Hope your lawyer finally figures something out.

ha_mer

Contact the district attorney in your county.
Unless the laws are different where you are, all the states that I've been in hold the insurance company liable for the car it insures, regardless of who is driving it.
File charges against the driver of the car.
There has to be a police record of the driver running the red light or he wouldn't have gotten a ticket.
Insurance companies will give you a run-around if you let them do it - don't.

Lost in Maryland

Your insurance agent should be helping you with this. Your insurance should have an attornye to go after this guy. Whomever owns the car is the guy that is responsible. He left this guy drive it. If you don't like how your attorney is handling it, get another one. They are everywhere. Good luck!

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