A friend of mine, who is uninsured (is legal in this state) backed into a vehicle last week. The other driver is insured through American Family. After exchanging information and agreeing to stay in contact; he knew he was goin to have to personally pay for the damages. Within a week he was sent ONE estimate of over 3 thousand dollars to get the repairs. They asked to be paid in full in a fair ammount of time in order to repair their car. (This letter was not from an insurance company, but from the actual people involved in the incident.)
Realisticly, he is unable to pay them in full in the immideate future. Legally, what are his options? I would also like to know if he would be better off handeling it through thier insurance company?
In advance, I sincerely appreciate your time & advice. Thank-you.
2007-09-29 04:29:59 · 8 answers · asked by Mama 1 in Cars & Transportation ➔ Insurance & Registration
Basically, it looks like his only option is to offer to make payments. If he does this and makes the payments, can he still be sued?
2007-09-29 06:04:08 · update #1
The same thing would have happened if the victims insurance compan y would have sent him the estimate..... he has to pay no matter who is asking for the money. It would have been cheaper to get liability and make monthly payments than pay the $3,000 all up front! They will probably sue him and they have every right to. Why should they have top pay or get stuck driving a banged up car because he didn't have insurance? What state doesn't require at least liability??????
2007-09-29 05:02:52 · answer #1 · answered by Me 6 · 0⤊ 0⤋
not sure what state you are in but most insurance companys offer insured motorist a part called"uninsured motorist" this part pays for your vehicle when its not your fault and the other party doesnt have insurance. Your friend is going to be sued. He's lucky it was just a little $3000 claim. What if someone would of been hurt or killed? Once a judgement is ruled against him He will have to pay or the injured party can start taking his personal property and sell it till the judgement is satisfied. O.J has a 32 million dollar judgement against him. look at what his life is like.
2007-09-29 11:46:40 · answer #2 · answered by chuck t 4 · 0⤊ 0⤋
Try this; Make a contract between the private parties to work out a payment plan. It's not the best answer or solution, but the damage is exceeding his ability. The other people cannot force someone to give up something he does not have. It's just a suggestion.
2007-09-29 11:35:31 · answer #3 · answered by The Eagle Keeper 7 · 0⤊ 0⤋
If he doesn't pay they'll file it with their insurance company. Their insurance company will sue him for recovery of their costs. That will include the cost of the repairs plus any administrative and attorney's fees. That will probably double the cost to your friend.
It would be cheaper for him to pay the other party directly -- take out a loan or whatever it takes to make it go away before they file with their insurance company.
2007-09-29 12:17:09 · answer #4 · answered by Bostonian In MO 7 · 1⤊ 0⤋
Your friend is an idiot. What did he think would happen if he hit someone when driving uninsured?
He should thank his lucky stars that no one was hurt and no one got a lawyer.. and he should get a small loan and pay them.
The second he starts getting them upset they are going to get lawyers, insurance , involved etc and i bet you anything "injuries" are going to pop up.
I cant believe the stupidity of some people. Who on earth would even dream of driving uninsured?
2007-09-29 12:37:30 · answer #5 · answered by la428282 6 · 0⤊ 0⤋
He should be honest with the peopel and tell them what he realistically can pay and how long it will take. There would likely be no benefit dealing with the other party's insurance company.
2007-09-29 12:09:13 · answer #6 · answered by fangtaiyang 7 · 0⤊ 0⤋
i would have him talk to the other party, explain the money situation, and try to get them to agree to payments until the bill is paid.
2007-09-29 11:34:36 · answer #7 · answered by george 2 6 · 0⤊ 0⤋
the poor victums of ur friend will have to sue him...
2007-09-29 11:34:04 · answer #8 · answered by Anonymous · 0⤊ 0⤋