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insurance company refusing to pay uninsured motorist insurance because i was hit by an illegal alien.?

Jun 21, 2008 by JEROME B | Posted in Law & Ethics

Q: I was hit by an wrongful alien who did not have insurance or a drivers license. my insurance company is refusing to pay for the damages to my car. they told me that they are not going to pay for someone who is not theorized to be driving on the roads of the united states. they also told me that they cannot sue or recoupe money from this illegitimate alien. i am stuck with paying, $7400 to repair my car. this illegal alien and my insurance company are getting off scott open. i have been driving for twenty seven years and have never been involved in an accident; this is hell. my insurance company has pulled out all the legitimate guidlines to keep from paying for the repairs. i went to file a suit against this illegal and was told that he was returned to mexico. i was told to sue the proprietress of the car. the owner of the car has vanished. my 2008 dodge viper is sitting at the body seek waiting to get fixed. the shop has refused to start fixing the car until they get $4500 up front. i am stuck.

A: Your insurance company (whoever they are and you should have told us so we don't use them) SUCKS! You have an uninsured motorist clause in your scheme which you pay for and you are entitled to reimbursement unless it CLEARLY states that the uninsured motorist cannot be an illegal. If there is no such announcement then I would go after them in court. Bastards.

If you hit an uninsured motorist and have liability insurance what happens 10 Points Best Answer?

Oct 07, 2009 by StokelyL | Posted in Insurance & Registration

Q: If you hit an uninsured motorist and have responsibility insurance does your insurance company have to pay the uninsured motorist? Also, If you don't have insurance and get in a non-fault car accident, do you have to pay the other vehicle because you don't have insurance?

A: As far as I have knowledge of if you only have liability and are at fault it doesn't matter if they have insurance your company pays and your SOL. If you have liability and the uninsured motorist hits you your still SOL. You can sue them but chances are if they don't have insurance they also don't have any paper money.

If any accident is non-fault I don't think either of you have to pay for the other person but you can try to make them in civil court and vise-versa.

I was in a hit and run accident, can i sue my own insurance company after six months?

Feb 27, 2008 by shaebaby0283 | Posted in Insurance & Registration

Q: I have full covrage insurance, and unisured motorist at the spell they my insurance company just paid for the chiropractor, then closed my case im still haveing these neck pains and cudgel one's brains if i shoud sue my own insurrance company.Is this even possible?

A: Mainly under an auto policy there is what is called "medical payment" coverage. Which basically means that they pay your medical bills on an evolving basis up to your limit on the policy.

However, whenever there is an uninsured motorist accident, you can always file an uninsured motorist upon. Which then turns your bodily injury claim into "third party." That means that your insurance will pay your bills after you're done treating and then when you be and sign a release of all claims.

If you are still having neck problems and you have never signed a issue then you can always contact them again and say, "I want to file an uninsured motorist claim."

Now keep this in cognizant, the fact that you have gone, what sounds like, 6 months without treatment, they may have jam linking your neck pain with accident six months ago. You have the burden of proof to show that your nuisance is linked to the original accident.

Good luck!

why would an auto insurance company delay a ruling?

Jul 27, 2009 by factfinder | Posted in Insurance

Q: Why would an auto insurance company dilly-dallying a ruling in an issue of coverage for their policy holder who was liable for a car accident? It has been several weeks since the "imagined" policy holder hit my car and the insurance company says it is still doing an investigation regarding an subject of coverage. The police report already ruled that their policy holder was liable for the fortune 100%; there were injuries involved. I have uninsured motorist coverage, but I cannot move forward in terms of closing this until the other cocktail's insurance company verifies whether or not this person was covered at the time of the accident. I thought having computers was suppositious to speed up the process. What benefit would an insurance company have in delaying the ruling?

A: They don't construct rulings, they have "findings". If they aren't making the 'conclusion', that means they're missing some information, or something is unclear.

Their policyholder isn't liable, until a judge says they are, or until they bear liability. Police do NOT determine fault - they only offer an opinion.

If they say there's an issue of coverage, there are several reasons why they still wouldn't pay out, even if that car was at blameworthy. Some of them are: The driver is an uninsured driver on the policy; the vehicle is an unlisted vehicle on the principles; the vehicle isn't owned by the person who holds the policy.

The other person's insurance company has NO duty of best faith towards you. If you're in a rush to get this covered, put the claim through on your own policy.

Since you know there's a delinquent (you just don't know what it is), I'd strongly suggest, in the end, this is NOT going to end up being a covered claim, and you're prevailing to have to sue the owner of the car, and the driver of the car, in order to see any money.

For collision, file the claim under your programme. For uninsured motorist, you're going to have to wait a while - meanwhile, file it under your pip or medical payments.

If it makes you abide better, injury claims are NEVER settled within two weeks - or even four or eight weeks. So you're WAY early on looking to make inaccessible. They won't close ANYTHING until after all the medical and therapy bills are in, and the healing has gone as far as it can.

There's no benefit to the insurance company, delaying anything - but two weeks isn't absolutely a delay here.

Car totaled in an accident, insurance company not offering enough, local market value?

Sep 30, 2009 by extisc | Posted in Insurance & Registration

Q: A compatriot of mine recently had his car totaled by a reckless driver while it was parked outside his house. There was a monitor report on the incident and it was passed along to the at fault motorist's insurance company. They used CCC in order to come up with what they take into account to be a fair value for the car and they will not budge from that number.

Our major issue is that in order to rush at up with their offer they used the local market value of five comparable cars and came up with an normal based on those values. This seems like a perfectly fine method except that the closet car tempered to to determine the local market value was over 1,300 miles away and the furthest was about 2,500 miles away. I don't see how they can reckon this a "local market" when these sales took place so far away. It seems as though their come forward should also take into account the amount that it would cost to ship any of these "local market" cars to our venue (an average of about $1,200*).

My friend mentioned this to the person handling this claim but they would not give him and answer and said that they will not affluent any higher than their current offer.

Do insurance companies ever take into account the cost of shipping associated with a vehicles hand-me-down to determine a local market value? If so how to we go about getting them to increase their offer? I grasp that arbitration and litigation might be possibilities but ultimately that would probably end up costing us more than the $1,200. Is this something that could be captivated to small claims court either against the insurance company or against the reckless driver?

Additionally the insurance company may not reimburse us for the total set someone back of storage and towing, if this were to happen what would our recourse be?

Thanks in advance for any information you can state look after with this issue.

My friend lives in CA.



*determined by using the calculator on transportreviews.com and averaging the tariff of shipping the cars from the five states that were deemed to be the local market.

A: No- insurance companies do not owe you shipping costs.

The excuse the local market survey is so large is because your friends car is very old and there are very few like it for sale. So they had to go further out to find more vehicles. Would you rather a trade in survey based on 2 cars because those were closest?

Have your friend tell the company to send him a imitate of the CCC evaluation. Make sure all the options are listed on the car and the condition of the car is proper.

Some insurance companies will use NADA to shape a car's value. You may want to look the car up on www.nadaguides.com and see what it says. Keep in mind, the NADA is for a car in fair condition. There may be reductions to your friends car for it's condition.

If your friend has collision coverage he can queue w/ his own policy and see what they come up with.

Yes, your friend can turn down the insurance company offer and sue the at fault driver. Your adherent would need to speak to the local magistrates court to learn about that. No guarantee he'll get what he wants - he still has to be found what the car is worth.

Why is there a statute of limitations on insurance companies paying claims on injured motorist?

May 24, 2006 by tommyboy | Posted in Insurance & Registration

Q:

A: Why? I believe for the same reason there's a statue of limitations or term limits on anything from politicans to criminal prosecution - to abort abuse of the system and limit fraud.

These limits only really become an issue if a) no claim was ever presented at all or b) the statute wasn't mark "tolled", which is most venues just requires filing announcement with the courts.

Otherwise, the majority of injury claims flow through the system without the statue ever being a concern. If a seek isn't settled in that time frame, there's usually a lawyer involved and he/she knows the row the proper paperwork to keep things rolling along.

Steve Wahlberg Discusses Uninsured Motorist Laws

Steve Wahlberg of Hillyard, Wahlberg, Kudla & Sloane, LLP discusses the dope that one needs to know after being involved in an ...

Protection Still Possible Even without Uninsured and Underinsured ...

by Jeanny Hopper

For definite states in the US, such as New York, getting perturbed about uninsured drivers remains to be an election. New York and other states that still rules for uninsured and underinsured driver coverage to be free, there are still ways to get protected from inadequately protected motorists.

According a modern investigate conducted by the Insurance Data Guild, out of every seven motorists in the Unified States does not have enough buffer from auto insurance ; and even though it’s only 1 out of 7, those with inadequately screen can greatly grounds repercussions for insured motorists.

Reports say that Insurance companies be entitled to that most of their policyholders do not commotion to improvise much about the underinsured or uninsured motorist coverage helping part when they enrol their auto insurance scheme ; they only nuisance to do so when the epoch comes when there is an genuine sap. According to Insurance Info Pioneer consumer spokesperson and elder flaw president Jeanne M. Salvatore, drivers only grief about underinsured or uninsured motorist coverage when they themselves are the victims or they run into someone who unfortunately has very speck insurance coverage or no car insurance at all.

Unfamiliar to a edition of motorists, the coverage for uninsured motorists can equalize the insured driver, a fellow of his relations, or a selected motorist for bodily damages that can better b conclude as a end result of an uninsured motorist or a hit-and-run driver. On the other help, the coverage for underinsured motorists comes to the save when the driver who caused the misfortune has not enough insurance coverage to pay you for entire injury. Underinsured motorist coverage also protects drivers in the poor even that they are hit by a carrier as a ambler.

The Insurance Probe Gathering consider conducted during the first billet of 2009 shows that approaching 14% of all motorists in the US are uninsured, with big variations among each constitution. Mississippi (28%), New Mexico (29%), and Alabama (24%) are Included in the directory of states with the highest portion of uninsured motorists. Meanwhile, among the stats that has the smallest numeral of uninsured drivers are Massachusetts (1%), New York and North Dakota (both 1%), and Maine (4%).

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