uninsured driver was involved in a three car accident?

Question

my b/f was in a wreck driving his car, but the insurance is in my name. he was getting off an exit ramp, and he noticed that the car in front of him was driving kinda crazy, and he couldnt get into the other lane because cars were coming. the car in front of him slammed into a truck, then his car drove into rear end of the other car. the police wasnt called to the scene. he and the other 2 ppl talked about what happened, and they guy who was driving the truck, didnt have any damage, but the car in front of my b/f had the rear end messed up, and her front. the hood of our car and the bumper needs to be repaired. we have our car in the body shop and should be out next week. he told the woman, that he would pay for her back end damage, so it seemed like everything was fine. until today, i get a call from my insurance company talking bout a claim. i called back, but the office was closed. what's going to happen? my b/f offered to pay for rear end, but the ppl wont answer the phone anymore.

what do i need to do when i contact the insurance company? do i need to let them know that the driver of the car paid for our damage and also volunteered to pay for her car's rear end. it seems to me that they are just wanting the money. why didnt they call their own insurance company.

i called my insurance company today, and the woman i need to talk to isnt there today...figures. i spoke with another person, but she wasnt able to do much since im already assigned to another claims dealer. she did ask me what happened in the accident, and i told her i didnt know because i wasnt the driver. so she said that they will need a statement from my b/f. should i let them know that our car is already in the shop and we have paid cash to fix it.

Answer 1

You need to tell your insurance company what happend, from how the accident happened to the exchange of monies, and you need to be able to prove money has exchanged hands OR provide a written I.O.U. of sorts showing who is accepting payment from whom and for what. Your boyfriend may not carry any negligence which in turn means, he doesn't owe anyone money. The driver who is considered proximate cause needs to be identified, and then a determination needs to be made if your boyfriend contributed to the accident as well.

Answer 2

If your boyfriend saw the car in front of him driving crazy he should have been better able to control his own speed and actions. Your insurance company will owe for the cars in fronts damage since we hit a stopped object. If you paid for her rear damage you need receipts and proof. she can still file a claim under your policy because you are at fault she doesn't have to even let her company know, the best thing to do is file a claim under her policy anyway and let both insurance companies hear THE SAME version..write it out if you have to it needs to be the same..But you should not be including her front damage since she hit another truck first..you really need the front cars statement because if he says he felt two hits you WILL be owing for the car that you hit front damage as well... If the car felt one hit then her damage to the front won't likely be paid... Teach your boyfriend traveling distance especially if you see an accident about to happen or is likely to happen as he did in this case....

PS press 0 if you get voice mails, this usually works with calling any 1-800 number just keep pressing 0 and you will get someone to help you..

Answer 3

heres the deal; this is a 3 car rear end accident;

the lady in front rear ended the truck; then your boyfriend rear ended the lady who subsequently hit the truck twice;

your boyfriend would owe for the ladys rear end; but he may owe for 25 to 50% of the ladys front end due to the 2nd hit from your boyfriend; technically the lady is responsible for 50 to 75% of her front end damages since she rear ended the truck 1st; the ladys insurance company need to contact the truck driver to verify there were 3 drivers; they should figure this out since in a rear end accident and there is front end damages, it is a no brainer that the lady struck someone else;

you will need documentation of your payment to the other lady if you have paid; if your boyfriend indeed pay for her rear end damages, then she cannot get paid twice, that is illegal;

if her insurance company gets you for both the rear end and for 100% of the front end, you will need to call your insurance company to report this and fight it for you; since your company would not pay 100% of her front end damages, but most likely pay a percentage of the damage caused by your 2nd hit only;

but there is one other scenario; lets say the lady states that she did not rear end the truck 1st but that your boyfriend rear ended her which pushed her into the truck in front of you; then they would state your boyfriend was 100% at fault for her rear end and front end also;

only the trucker could state that the lady rear ended him 1st and your boyfriend rear ended the lady for a 2nd hit;

good luck

Answer 4

Apparently the driver of the other car has filed a claim against your policy. She may not be willing to work with you directly anymore - or she may be injured. Therefore, it is very important that you call your insurance company so that they can investigate the coverage and liability of this accident.

Answer 5

Being rear ended is clean fault on the different motive force era. The police checklist isn't necessary the place she admitted fault. because you have filed a declare on your scientific expenses on your insurance and now found out which you haven't any longer have been given adequate insurance to cover your expenses, what have they advised you? they have an obligation to describe your coverage and coverages. in addition they should indicate to you what they'd or can't do based on the insurance of your coverage, it particularly is extremely significant because of the fact the lady that rear ended you is uninsured. you have in basic terms 2 techniques. the 1st is report a uninsured actual injury declare on your coverage. yet once you probably did no longer purchase this insurance, then there's no longer something your insurance employer can do for you, and that they might have advised you this. The 2d is to take the lady to the two small claims court docket or to an better court docket if the quantity of your scientific expenses are better than the regulation on your state for small claims court docket. yet regardless of in case you win, isn't any assure you will ever see a dime, because this man or woman would have no longer something to assemble. you are able to in basic terms desire that this lady owns a house, has a job you are able to possibly garnish, yet maximum possibly must be judgment evidence. the 1st one is your in basic terms stable determination, because your insurance employer bears the value and pursues the lady, while the 2d, would be triumphant, yet would by no ability see a dime. Ask your insurance employer in case you have uninsured motorist insurance. If no longer, go out and purchase it, notwithstanding that is going to do no stable for this twist of destiny, yet now you will see the reason of paying for it, because maximum folk would by no ability comprehend how many human beings available utilising have no insurance and in basic terms locate out after a twist of destiny, in basic terms such as you. stable success