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Post by The Walk of the Penguin Mich on Jul 13, 2019 17:23:51 GMT -5
Not here. The insurance company specifically asks if you will be the only driver. If DS drives my car and gets into an accident, they won't pay. Well that sucks. What if someone takes your car without your permission and wrecks it? You're just SOL? Then you had better have a police report that it is stolen.
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NoNamePerson
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Post by NoNamePerson on Jul 13, 2019 17:49:25 GMT -5
My son had a "few" incidents as a teen and my insurance dropped him from my policy and told me that he shouldn't even back my car out of a parking space!! They also told me that part of dropping him was because of the car I was driving. He had his own clunker so we went with high risk company - suggested by my agent.
I also learned the hard way that insurance follows the vehicle and not the driver (maybe be state specific) but $87,000 later is when I found that out. I wondered if they went after the driver to recoup since they were insured but never asked. I think there is a word for it but insurance pEEps here would have to answer that.
From that day on I never let anyone behind the wheel of my car and that was 37 yrs ago. Some lessons just stick with you forever.
Sorry you are dealing with this TheHaitian it can be such a pain in the a@@
Can you elaborate? This part confused me a lot. Sorry! I loaned my car to a friend who had the wreck. My insurance paid the claim (my vehicle even though I was not driving) even though she had insurance. Hence my statement about never letting anyone drive my vehicle. HOpe that clears it up!!
ETA this may have changed over the years - like I said it was 37 yrs ago. And I've not put myself in position to see if it has changed
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weltschmerz
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Post by weltschmerz on Jul 14, 2019 16:04:45 GMT -5
Not here. The insurance company specifically asks if you will be the only driver. If DS drives my car and gets into an accident, they won't pay. Well that sucks. What if someone takes your car without your permission and wrecks it? You're just SOL? Taking my car without permission would be Grand Theft Auto. I get a deal from my insurance company because of my age and profession. It doesn't cover hot-rodding, irresponsible kids with a crapload of accidents under their belts. It makes sense. I could ADD him as a second driver, but my rates would skyrocket.
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Deleted
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Post by Deleted on Jul 14, 2019 16:28:23 GMT -5
Well that sucks. What if someone takes your car without your permission and wrecks it? You're just SOL? Taking my car without permission would be Grand Theft Auto. I get a deal from my insurance company because of my age and profession. It doesn't cover hot-rodding, irresponsible kids with a crapload of accidents under their belts. It makes sense. I guess if you get a great deal and nobody ever drives your car. I prefer the car be insured and not the driver. We're always borrowing vehicles around here. I just took the neighbors truck to town this morning to haul a load of gravel and my ex has DS's car for the week. Next week I"m taking the boys to Yellowstone and I sure as hell am not driving the entire 3K miles myself with another driver available in the car.
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weltschmerz
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Post by weltschmerz on Jul 14, 2019 16:32:44 GMT -5
Taking my car without permission would be Grand Theft Auto. I get a deal from my insurance company because of my age and profession. It doesn't cover hot-rodding, irresponsible kids with a crapload of accidents under their belts. It makes sense. I guess if you get a great deal and nobody ever drives your car. I prefer the car be insured and not the driver. We're always borrowing vehicles around here. I just took the neighbors truck to town this morning to haul a load of gravel and my ex has DS's car for the week. Next week I"m taking the boys to Yellowstone and I sure as hell am not driving the entire 3K miles myself with another driver available in the car. If I'm driving to Totonto or to the Gaspé, and don't want to do all the driving myself, I can always call the insurance company and let them know DS will be driving part of the way.
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Deleted
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Post by Deleted on Jul 14, 2019 16:49:35 GMT -5
I guess if you get a great deal and nobody ever drives your car. I prefer the car be insured and not the driver. We're always borrowing vehicles around here. I just took the neighbors truck to town this morning to haul a load of gravel and my ex has DS's car for the week. Next week I"m taking the boys to Yellowstone and I sure as hell am not driving the entire 3K miles myself with another driver available in the car. If I'm driving to Totonto or to the Gaspé, and don't want to do all the driving myself, I can always call the insurance company and let them know DS will be driving part of the way. So, then they just jack your rates up for those days? My insurance rates didn't change at all when DS got his license because I got him a beater car right away and rated him on that one. Mine actually went down due to multi-vehicle discount. I was told umbrella rates would go up, but they haven't yet and it's been over a year.
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weltschmerz
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Post by weltschmerz on Jul 14, 2019 17:19:22 GMT -5
If I'm driving to Totonto or to the Gaspé, and don't want to do all the driving myself, I can always call the insurance company and let them know DS will be driving part of the way. So, then they just jack your rates up for those days?
My insurance rates didn't change at all when DS got his license because I got him a beater car right away and rated him on that one. Mine actually went down due to multi-vehicle discount. I was told umbrella rates would go up, but they haven't yet and it's been over a year. I don't know. I've never done it. Nobody drives my car but me. I pay something like $36 a month. DS has 3 cars. He pays a LOT.
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TheHaitian
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Post by TheHaitian on Jul 26, 2019 8:40:05 GMT -5
So it is official it seems they did not have insurance 🤬🤬🤬
So now it goes towards the noninsured motorist under my policy and they they would go after them.
I still have the back pain (have gone to chiro and physical therapy). Not an overnight fix...
My boss suggested medical leave and if approve I go on short term disability. If I get my doctor to file it out, I can access my medical portion under my insurance which covers 80% of my salary but then I forfeit the right to go after the driver (yep, that is not going to happen).
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justme
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Post by justme on Jul 26, 2019 10:03:57 GMT -5
Why? I would think going after the driver would be like trying to get blood from a stone. If they didn't have insurance they likely aren't sitting on thousands and thousands of dollars to cover this. And it will probably drag out as you have to go through insurance and insurance likely won't go after them until they know their total costs. And even then insurance might decide it's not worth trying to get money back from uninsured people.
Assuming you're hurt enough to actually qualify for medical disability from your job I'm not sure why you wouldn't take it.
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hoops902
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Post by hoops902 on Jul 26, 2019 10:33:45 GMT -5
Why? I would think going after the driver would be like trying to get blood from a stone. If they didn't have insurance they likely aren't sitting on thousands and thousands of dollars to cover this. And it will probably drag out as you have to go through insurance and insurance likely won't go after them until they know their total costs. And even then insurance might decide it's not worth trying to get money back from uninsured people. Assuming you're hurt enough to actually qualify for medical disability from your job I'm not sure why you wouldn't take it. Kind of what I was thinking. I'm also not sure why taking medical disability from your job precludes someone for going after the person who caused that damage, but I'm not a lawyer.
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TheHaitian
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Post by TheHaitian on Jul 26, 2019 11:56:31 GMT -5
Right now as far as the progressive (my insurance company) is concerned the claim is opened under my policy under collision.
—-> I spoke to the agent handling my claim and she spoke to the mother that owns the car yesterday and she still need to talk to the son that was the driver before closing the claim and moving it from “collision” to “non insured motorist”
So if today I go out on disability they would cover it under my “medical” umbrella up to 80% of my current salary but I would forfeit the right to go after the other driver or file a claim under “non insured motorist”
—> so I am not doing that because I do not know the extent of how bad my back will be, if/when I decide to go out, how many more physical therapy sessions I need etc.
—> I do not care if they go after them but it decides the overall settlement $$ with the “non insured motorist “ claim part.
—-> ex: I got some of my dr bills back. I can opt to have them cover my part that the insurance company did not pay under medical, or I can hold on to them till they open a claim under non insured motorist and get the whole balance reimbursed or calculated as part of the settlement.
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TheHaitian
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Post by TheHaitian on Jul 26, 2019 12:02:45 GMT -5
Why? I would think going after the driver would be like trying to get blood from a stone. If they didn't have insurance they likely aren't sitting on thousands and thousands of dollars to cover this. And it will probably drag out as you have to go through insurance and insurance likely won't go after them until they know their total costs. And even then insurance might decide it's not worth trying to get money back from uninsured people. Assuming you're hurt enough to actually qualify for medical disability from your job I'm not sure why you wouldn't take it. Kind of what I was thinking. I'm also not sure why taking medical disability from your job precludes someone for going after the person who caused that damage, but I'm not a lawyer. It is about who pays... - if I accept payment under the “collision” part of the policy I cannot get payment under the “non insured motorist” part. —-> and by association if I process everything under collision (including car repairs)... they would have no reason to open a “non insured motorist” claim thus no reason to go after them. —-> the refund/overall settlement coverage under the “non insured motorist” is more in my favor vs if I did it under collision. Or at least that is how it was explained to me.
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hoops902
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Post by hoops902 on Jul 26, 2019 12:13:48 GMT -5
Kind of what I was thinking. I'm also not sure why taking medical disability from your job precludes someone for going after the person who caused that damage, but I'm not a lawyer. It is about who pays... - if I accept payment under the “collision” part of the policy I cannot get payment under the “non insured motorist” part. —-> and by association if I process everything under collision (including car repairs)... they would have no reason to open a “non insured motorist” claim thus no reason to go after them. —-> the refund/overall settlement coverage under the “non insured motorist” is more in my favor vs if I did it under collision. Or at least that is how it was explained to me. Got it, I misread the "short term disability" and "insurance" part. I was thinking you were going to go on short term disability and had separate insurance to cover that...sounds like the "insurance" part is via the car insurance.
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Deleted
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Post by Deleted on Jul 26, 2019 18:20:36 GMT -5
TheHaitian, I did a little research online. I'm sure this is state-specific, but your comprehensive deductible may be higher than your UIM deductible. You might want to check on that.
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TheHaitian
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Post by TheHaitian on Jul 26, 2019 20:12:28 GMT -5
TheHaitian, I did a little research online. I'm sure this is state-specific, but your comprehensive deductible may be higher than your UIM deductible. You might want to check on that. Yes I was informed of that today, my deductible will go from $500 to $200 when I pick up my car next week.
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