Joe is in accident - hits Jane. Jane and others in car are messed up. Jane sustains injuries costing nearly a million dollars. Jane recovers after a month of suffering pain including lost wages, etc.
Joe was driving dad's car (without dad's permission). Joe has a license, but because of Joe's bad driving record, he is excluded from dad's insurance and has his own insurance, the bare minimum. Joe is 26, lives with dad, has no job or assets.
Dad has a home, good insurance, but because Joe is high-risk, chose to exclude Joe from his insurance. Okay, Joe has his own insurance.
Joe's insurance barely covers a small portion of Jane's medical bills. (Jane also has minimum insurance, has under-insured motorists, but not enough to cover extensive medical bills).
Question: Can Jane go after Joe's dad, since it was dad's truck? Not after dad's insurance, but after dad's assets personally since dad excluded Joe from insurance? It would seem that the dad should bear some responsibility.
2007-11-17
08:02:21
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6 answers
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asked by
Anonymous
in
Insurance & Registration