I was involved in an accident about a year ago now. It was about 3mph and took place in a parking lot, and it was my fault. About 3-4 mo afterwards, the greedy SOB tried to claim he had some sort of antique in the trunk that got damaged in the accident (funny he wasn't concerned about it at the time!). I guess that didn't work for him so now he's claiming injuries. I was insured under my parents' policy at the time and driving their car. The ins. co tried to settle with him&his lawyer...he didn't accept and now they're threatening to sue my parents! Is this even allowed (well, I guess ANYONE can sue anyone else in this country..but does he have a case)? Is this a scare tactic? If the ins. doesn't cover it, wouldn't he have to sue ME since I caused the accident? I wouldn't care as much since I have no assets...but this guy is a total loser. Personally I wish I had run his sorry butt over instead of a fender bender. I really don't know how this all works, was my first accident
2007-10-25 01:06:05 · 12 answers · asked by CocoaBean316 2 in Cars & Transportation ➔ Insurance & Registration
Quote:
I was insured under my parents' policy at the time and driving their car.
Answer: yes he can.
2007-10-25 01:10:15 · answer #1 · answered by wizjp 7 · 2⤊ 1⤋
Insurance has to provide a lawyer and pay for any rewards, so don't panic. People do this kinda thing a lot. I'm a claims adjuster and you'd be amazed at how many people try to claim they can never work again after a 3 mph accident with hardly any vehicle damage, and they have no medical treatment at the scene or after. Don't worry..it's a scare tactic. And if it's like you said, just rest assured that he's going to blow all his money on a lawyer, and then win nothing in return. Maybe the real cost of that antique (which the insurance co also has to pay.)
2007-10-25 01:12:04 · answer #2 · answered by Eraserhead 6 · 1⤊ 0⤋
parents should get an attorney / watch the case. if your parents have assets they could be at a risk. i would not trust the insurance company .
the right / wrongs don't always matter. who the lawyer and judge are make a difference. the system has faults / corruption in it . parents work a lifetime for assets / can't afford to replace ?
don't minimize a fender bender ... there is a lot of insurance fraud but the guy might have an injury . i can tell you that no one ever knows for sure how another person really feels . of course , it's an accident .. you didn't hit the guy on purpose.
2007-10-25 01:54:17 · answer #3 · answered by Mildred S 6 · 0⤊ 0⤋
Sorry m8. Because you were driving your parents car under their insurance, it will be them who are sued. they will be named as defendants, but their insurance company will defend the case and pay out anything which is awarded to the plaintiff. In theory, this shouldn't cost your folks a dime but in reality their premium depending on the payout will take a hit. What i would say is that judges are clamping down on spurious claims. in Ireland you must swear an affidavit prior to instituting proceedings. (which you cant do with out referring to an independent board anyway), and if this doesn't stand up, you can have your claim thrown out and hefty costs awarded against you. Whilst the insurance company will run the case and make the ultimate decision on quantum, you could ask that they go through the plaintiffs medical records and reports with a fine tooth comb to see what the exact nature of this persons injuries are and when they came about....ie when did he report them first!!
2007-10-25 01:17:16 · answer #4 · answered by gto 3 · 0⤊ 0⤋
Yap. He can sue. He may have a case but he'll have a hard time proving it in court. He is claims he has an injury, the insurance company would hound him (get a PI to follow him around and document his whole life). Remember that the insurance company don't like to pay claims without a fight. He wants one, they'll give him one.
2007-10-25 01:18:16 · answer #5 · answered by Ayo A 5 · 0⤊ 0⤋
- There is a clear time lapse in this claim case.
- As you are protected by insurance they will take care of the Legal aspects if any.
- proving the antique in the car is his headache.
Do not get panic let your Insurance company handle the Issue. Take their advise.
2007-10-25 01:25:25 · answer #6 · answered by rajendra p 4 · 0⤊ 0⤋
if some one want to sue for pain and suffering that person has to see a doctor immediatly or there is no proof that he/she was even injured by you ...if you were driving an insured vehicle and you were driving legal(with a legal license) then you and your parents should be okay .the insurance will most likely pay him if he can even proove that the accident caused damages to him or his item.dont post any guilty remarks on-line .
2007-10-25 01:21:06 · answer #7 · answered by knobulation 3 · 0⤊ 0⤋
It's your parents insurance policy and if the car is registered in their name---yes they can sue your parents. I wouldnt worry about it though...these types of cases are won in court by the party at fault. Low speed impact, probablity of injury very very very low.
2007-10-25 16:49:50 · answer #8 · answered by bundysmom 6 · 1⤊ 0⤋
It was your parent car, they are responsible for the things you do, since they gave you permission to drive their car.
Yep, he can and most likely will sue you. That doesn't mean he will win, but it does mean that you and your parents had better get a lawyer and get ready for the coming storm.
good luck
2007-10-25 01:15:43 · answer #9 · answered by Fordman 7 · 0⤊ 0⤋
This guy is trying it on. If he did not report his injuries and losses to the police at the time then he is not going to get anything.
2007-10-25 01:14:49 · answer #10 · answered by Anonymous · 0⤊ 0⤋