Car accident/Insurance Question

[Zfan]

Yup. I've seen it where someone in the family has a bad driving record. For instance, there's a husband and wife with a kid. Kid has the bad driving record and has claims on the parents insurance policy. The insurer can opt to non-renew the policy unless the parents "exclude" the kid from driving any of their vehicles. Or something like there's a husband and wife, and the wife has a bad driving record... the insurer can opt to write the policy at a reduced premium dollar, provided that the husband opts to "exclude" her from coverage under the policy.

I got hit by one iof those turds/kids, why the hell are they driving the car if excluded...pisses me off!

[MutherjuggZ]

Can their insurance actually deny the claim due to this?

Yes they can deny it all they want. You need to sue the driver in small claims court and the owner of the vehicle for allowing an excluded operator to drive her vehicle. Double dip that law suit

If your insurance pays the claim they will subrogate against the other party, but they may or may not try to recover your deductible.

[MutherjuggZ]

Juggz~!?

Juggz isn't around much these days for good reason.... but I'll always respond if / when I get a chance to.


Good luck man, these situations happen all the time.

[Texican]

Well, I'm in Germany so have to wait another week til I can call the other driver to try and work things out but it looks like my insurance denied the claim too. My wife got a letter, not sure exactly why it was denied yet.

[The King]

Well, I'm in Germany so have to wait another week til I can call the other driver to try and work things out but it looks like my insurance denied the claim too. My wife got a letter, not sure exactly why it was denied yet.

Do you carry uninsured/underinsured motorist coverage on your policy?

[MutherjuggZ]

Do you carry uninsured/underinsured motorist coverage on your policy?

If he does he needs to file under that coverage