An unfortunately car accident.......?

Question

I had car accident last week. The driver who drove against traffic regulations was driving his father's car. Unfortunately, his father has an contract that if people (exclusive himself) drive his car and make accident, the insurance company will not do any compensation on that case.

However, his son drove the car and he didn't stop and take his turn when the traffic light of the intersection was not working. So he hit a pick up first and than the pick up hit my car.

If the insurance company will do nothing on this case, should I ask the car owner for my vehicle repair?

Answer 1

File the claim with your own company under your collision coverage if you have it. If you do not, explain the situation & file under your uninsured motorist property damage (if you have it & if it will cover this situation, all states are different so you will have to check with your company). Either way, your company should be able to find out about the coverage on the other vehicle & if it was valid & if it covered the son, etc. Once they pay your damages, they will go after the at fault party for the damages they paid you plus your deductible. They will either collect from his insurance or go after them personally. Either way, they have lawyers that will exhaust all legal options to get their & your money back.

Answer 2

>Unfortunately, his father has an contract that if people (exclusive himself)

That baloney. If I'm not mistaken, all 50 states have no-fault law. What that means is the insurance company cannot find fault after an accident to get out of paying (no matter what). They cover the car not the person nor situations.

Insurance companies USED to have so many escape clauses that in just about every accident, they would find "fault" and get out of paying. That's why the states passed no-fault law.

It sounds like they are hoping you just go away. I've even know for opposing insurance company to delay and lie. But you need to document everything and do everything by letters and fax.
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Also if you have full coverage, you can claim it under your own insurance and they will go after the other company / people. Your insurance should not go up (your own company may even say it might but that's because even your own company don't want to deal with it).

Depending on the age of the son, you might have to resort to law suit. If the son was a minor (under 18) then the father is responsible for his son's actions. If the son is 18 or over, then you have to hope he can pony up the cash. Don't believe them if he says he has no jobs.

Answer 3

The driver of the car should be liable, if he is a minor, then the father should be held responsible. He should have had his son covered under the insurance, it would have been a lot cheaper. Your uninsured motorist coverage should fix your vehicle and then your insurance company will go after the father in court. I hope you've reported this to your insurance company by now.

Answer 4

If his son isnt covered to drive his fathers car, then its illegal for him to drive it...thats it. Any one driving has to be insured. That is a bogus lie he told you so you wouldnt file a claim against him, or he had no insurance at all. Your insurance company most likley has uninsured motorist coverage, which covers your damages if the other driver was uninsured. I would call them and ask.
Get the police report and take them to court. If its their fault, you will have no problem winning your case. That excuse is pretty lame. That would be like robbing mcdonalds, getting caught then telling the police your not suppose to get arrested because you didnt have any money and your stomach told you to do it.

Answer 5

you can ask the car owner but like the others said, it's not likely that they will pay. it's definitely worth a try though!

your best bet is to get your car repaired through your own insurance company. you may have to pay your deductible (depending on what coverages you have) but you may get that back at some point if/when your insurance company pursues reimbursement from the responsible party.

check your policy to see if you have a coverage that waives your deductible in the case of an uninsured motorist.....

good luck!

Answer 6

If you have insurance yourself, then let your insurance company work it out. As they will most likely sue the driver responsible.
If you dont then I would be seeking legal advise and sue for damages that were caused form the accident. If you can prove that he was negligent then you have a case.
I hope there were police involved so that there was a report made and the person that failed to give way was charged.

Answer 7

don't worried, if u have a full coverage then ur insurance will take care of u. the less u can get involved the less frustrated u will become. that is y we have insurance. it sounds like someone is trying to pull a fast one in the scenario?!? if the dad has a exclusive insurance which i have never heard of, y did he let his son take the vechicle? btw, it sounds as if the son has no insurance. if anything, it would be the pick-up that hit u (and that insurance co.) u would have to deal with.

Answer 8

In the case of an unisured driver, or an underinsured driver... you have the legal right to sue the son/father in court for the damages to your property.

Of course, you can always ask them to pay first... but I've found that many people are uncooperative. Especially when faced with a bill. Your legal recourse is to sue for damages.

Answer 9

BRING HIM TO THE SHOW "EYE FOR AND EYE" JUDGE EXTREME AKIM WILL GET MONEY YOU NEED. IF THE PERSON THAT HIT YOUR CAR WONT PAY OR THE INSURANCE COMPANY WONT PAY. WELL JUDGE EXTREME AKIM WILL TAKE ITEMS THAT HAS VALUE FROM THE GUY THAT HIT YOUR CAR AND GIVE IT TO YOU. HOPE TO SEE YOUR CASE ON TV LOL!!! GOOD LUCK!!

Answer 10

Sue his A55. In this case the kid has total responsibility not his father, so sue him...............eventually his father will get involved and pay for your repair cost. You have to play it smart somehow.