To clear up some of the obvious confusion...I am NOT trying to milk anything from ANY insurance company! I have been driving for 25 years and this is my first claim. WE SLID ON THE ICE!! There were many, many, many others sliding on the ice! That's what happens when there is ice on the streets! I did not come up with this compensation nonsense. My insurance agent brought it up. I was simply asking if they had a legal right to have my daughter "sue" me? Do I have to allow this claim? And if so...what is my daughter legally entitled to receive?! Thank you.
2007-01-24 14:40:06 · 5 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
i own a repair shop and i understand your question,this is standard procedure for the insurance company to do this its loop hole the use in case she may have problems from the accident later on,in life from it,and this is the only way they can do it is sue for it because of her age,you have the right to have this done,as for the amount ,it varies a lot depending on the amount,its usually around 25 thousand dollars to start off with and if she was hurt bad in it the price really goes up,but your lucky they brought it up,most company's wont do this,id let them go ahead with it,its good and logical at this point to do this,i guess some people dint under stand the question,good luck with it i hope this help,s.
2007-01-24 14:54:46 · answer #1 · answered by dodge man 7 · 0⤊ 3⤋
Firstly, I can't imagine an insurance agent suggesting this but you never know. If I was the adjuster at the insurance company that covers you, and I found this out, I'd be after their license to sell insurance period. Secondly, if your daughter was a passenger in your vehicle and was injured in an accident caused by your negligence (and don't get your blood pressure soaring over the wording, that's just the way it is in insurance land) she has grounds for a tort claim against you. For what amount of compensation is directly proportional to the injuries she can prove she suffered.
2007-01-24 16:00:16 · answer #2 · answered by patti duke 7 · 0⤊ 0⤋
From what you've written, it sounds like you were the driver and your daughter was the passenger. If so, some states allow innocent passengers in cars, regardless of the relationship, to pursue a bodily injury claim against the driver. This is commonly referred to as Guest Bodily Injury. If your state allows a "GBI" claim, then yes, your daughter can pursue one with your insurance company against you. Your daughter isn't "suing" you, she's being compensated for injuries received as a result of your negligence...and yes, that's what it is.
But to address your ice issue...yes, you're right, people slide on ice....when they are traveling at unsafe speeds. You have to have to have to not only maintain control of a lethal weapon (your car) but you have to have to have to have to keep your vehicle at a safe speed depending on the conditions of the road and weather--no matter what the posted speed limit is.
2007-01-24 15:10:47 · answer #3 · answered by bundysmom 6 · 0⤊ 0⤋
If you were the driver and your daughter was the passenger:
Yes, she could sue you for her injuries. If you filed through an insurance company; yes - they can do this and allow the claim.
Prove that she has medical insurance and that should be sufficient for them to stop payments for her injuries.
2007-01-24 16:44:15 · answer #4 · answered by PeppermintandPopcorn 3 · 1⤊ 1⤋
not enough information........your daughter was in your car & you had a accident?........do you have full coverage insurance?.....if so she would be sueing the insurance co. not you! if things are different .....you must specify.
2007-01-24 14:54:59 · answer #5 · answered by slipstream 7 · 0⤊ 0⤋