My daughter cancelled her full coverage on her car, to just liability, her boyfriend was driving her car and?
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My daughter cancelled her full coverage on her car, to just liability, her boyfriend was driving her car and?
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there was a car sitting in the middle of the road, the boyfriend hit the rear of the other car going about 30 mph, air bags deployed, is she just out or can she make the other car pay for her damages since it was sitting in the middle of the road, it was almost dusk in the evening and it was hard to see the other car, it had no lights on, please advise
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AZmomm43
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9 times out of 10 if you hit a stopped vehicle, you're going to be at fault. Depending on the state you live in and their negligence laws, there could be some liability placed on the other driver. Also you have the issue of if her boyfriend is a listed/covered driver on her policy. That may cause some issues with paying the claim on the part of her insurance company. I seriously doubt that the other driver would be placed 100% at fault. She may be able to recover some damages but most likely, her insurance is going to be repairing the other vehicle. |
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CowboyBill
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The driver of any car has the responsibility to NOT hit another vehicle. It is possible that there may be some negligence on the part of the other driver but the burden of blame lies squarely on boyfriend. Now -- if the boyfriend has collision insurance on HIS car there may be a case made that it will extend to your daughter's vehicle. If, if, if....
Collision coverage sounds like a bargain now, doesn't it? |
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Chris
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You can file a claim against the other person's insurance and they will investigate to determine if they will pay. With no collision coverage, her insurance company is unable to do anything for her. |
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bradlitazole
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If the car in front was stopped for traffic their is nothing that can be done. Even if the car was stopped to let a mouse cross the road, and especialy when someone who is not on the inssurance was driving the car.
He should have been paying attention to whats in front of him. the car in the rear is always at fault, which would be her boyfriend, no matter what. |
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deanspurrier
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Cowboy Bill said it best. Sorry to say it but she is ājust outā and to top things off she will be held liable for the car he hit if the boyfriend does not have at least liability insurance but once again Insurance Laws vary from State to State.
An after thought would be to sue the boyfriend in a civil case if he does not offer to repair the damages to her car. |
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roady42
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There are two questions:
Who got the citation?
Was this person 100 percent at fault?
It is that easy. |
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RYAN
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All lot of good advice given already and some bad. Your daughter also has a claim against her boyfriend for the damages to her car. Your not likely to recover anything from the parked car's insurance. What you can do is ask the boyfriend what insurance he has and a claim can be turned into his company...provided he has insurance with full coverage. If he has liability only you may be out of luck although some states may allow his company to pay your damage as a liability claim rather than under the collision coverage. Check with the claims office of your insurance company...your agent probably won't know...they sell policies and know little about claims and/or state laws. |
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BM33
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ur best bet is to call her insurance company and ask |
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Russell C
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The boyfriend does not have to be a listed driver on the policy to be covered as long as he is a legal driver and was driving her car with her consent. It sounds like the boyfriend will be found at fault unless there is an official source such as a police report that states the contrary. Therefore your daughter will likely be liable for damages to the other vehicle or injuries to the other driver however a case can be made against the boyfriend if desired |
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hackstudio
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was there a police report? did the b/f get a ticket? such as driving to fast for road condition? you said it was getting dark and other car had no lights? did the b/f have his lights on?
most of the time you rear end a car your at fault. my poor son in law hit the rear end of a car the girl driving it came to a fast halt to pick up her lip stick she dropped. guess who had to pay for her damage?? |
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Mel
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first of all, was the bf a legal, insured driver? If so, you've got a chance. If he wasn't, forget about it. Was there an accident report? My insurance company won't investigate anything if you ask questions. Just ask them. |
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