Community Chat

[Bird mama]

Mima, is Mary hurt really bad?

[terrier3]

On 7/18/2014 mima said:

On 7/18/2014 terrier3 said:

Wait a minute. Bob owns the car, Bob pays for the insurance on the car. Bob allows someone else to drive the car.

Bob's CAR was in a accident.

Bob's insurance pays the hospital bills.

Bob has Mary as the principle driver with the insurance co. Does that make a difference?

I did find that it is Kansas law to have $4,500 personal injury. So Mary will be covered a little bit. What happens to the balance? Is Mary or Bob responsible?

$4500 barely covers 3 stitches!

In NY State, you have to have a minimum of $30,000.

This is probably why it is NEVER a good idea to let someone with no car insurance drive your car - at least in Kansas.

[mima]

On 7/18/2014 Bird mama said:

Mima, is Mary hurt really bad?

Yes, but not life threatening thankfully. A seatbelts and airbags saved her life.

[Bird mama]

On 7/18/2014 mima said:

On 7/18/2014 Bird mama said:

Mima, is Mary hurt really bad?

Yes, but not life threatening thankfully. A seatbelts and airbags saved her life.

Thank God. If she is small in stature, then I know the airbags beat the heck out of her. I worked with a lady who was short and therefore had to sit close to the steering wheel in order for her feet to reach the gas and brake pedals. She got into an accident that was bad enough to deploy the airbags and wow - she was black and blue on her chest.

Mima, I hope that Mary recovers fully and quickly.

[mima]

On 7/18/2014 Bird mama said:

On 7/18/2014 mima said:

On 7/18/2014 Bird mama said:

Mima, is Mary hurt really bad?

Yes, but not life threatening thankfully. A seatbelts and airbags saved her life.

Thank God. If she is small in stature, then I know the airbags beat the heck out of her. I worked with a lady who was short and therefore had to sit close to the steering wheel in order for her feet to reach the gas and brake pedals. She got into an accident that was bad enough to deploy the airbags and wow - she was black and blue on her chest.

Mima, I hope that Mary recovers fully and quickly.

Thank you. Yes, she has several broken ribs and they think the airbags did it. She is not short though.

[stilltamn8r]

On 7/18/2014 TaxyLady said:

What is the purpose of having liability insurance if it doesn't pay the driver's medical expenses? Just to pay the other person's medical bills? I think paying for all person's involved in the accident is why liability insurance is required in most states. Now they may have a clause that states that you must use your medical insurance first.

Generally, "liability" only pays for the "other guy" . Which is why it is called "liability" because you are liable (I.e., legally responsible) for the damage you caused to another..

[Lipstickdiva]

On 7/18/2014 terrier3 said:

On 7/18/2014 mima said:

On 7/18/2014 terrier3 said:

Wait a minute. Bob owns the car, Bob pays for the insurance on the car. Bob allows someone else to drive the car.

Bob's CAR was in a accident.

Bob's insurance pays the hospital bills.

Bob has Mary as the principle driver with the insurance co. Does that make a difference?

I did find that it is Kansas law to have $4,500 personal injury. So Mary will be covered a little bit. What happens to the balance? Is Mary or Bob responsible?

$4500 barely covers 3 stitches!

In NY State, you have to have a minimum of $30,000.

This is probably why it is NEVER a good idea to let someone with no car insurance drive your car - at least in Kansas.

She's listed on Bob's insurance.

If you have liability insurance only, it pays for the other vehicle and the other driver's and passengers' medical expenses if you are at fault. It pays for nothing for your own vehicle or your own medical. (In Ohio)

Our minimum requirements for bodily injury are $25,000 per person, total $50,000.00 all people. That's liability insurance.

[terrier3]

On 7/18/2014 LipstickDiva said:

$4500 barely covers 3 stitches!

In NY State, you have to have a minimum of $30,000.

This is probably why it is NEVER a good idea to let someone with no car insurance drive your car - at least in Kansas.

She's listed on Bob's insurance.

I hope she will be getting health insurance ASAP too!

Even healthy people can have accidents, as you have unfortunately found out.

[Lipstickdiva]

On 7/18/2014 terrier3 said:

On 7/18/2014 LipstickDiva said:

$4500 barely covers 3 stitches!

In NY State, you have to have a minimum of $30,000.

This is probably why it is NEVER a good idea to let someone with no car insurance drive your car - at least in Kansas.

She's listed on Bob's insurance.

I hope she will be getting health insurance ASAP too!

Even healthy people can have accidents, as you have unfortunately found out.

I totally missed the part where she doesn't have health insurance. That's a mess.

Not sure how Bob could be sued over this though when the accident wasn't his fault.

[hckynut]

Maybe this varies by state I really don't know. I've never been a driver in an accident and the couple I was in I was not injured so I really cannot say for sure.

My understanding however is that liability pays for damage done by whomever is driving the this vehicle to whatever was destroyed or injured by this person whose name(s)are on the title of the vehicle. Would think also, since it was more than likely negligence, liability would not cover her in this case.

Proving that a vehicle malfunctioned would probably take years and tons of legal fees, unless it happens to be on a vehicle that has known issues that might apply to it. With so many GM vehicles now on a recall list going way back to 1999? If it is a GM and it is listed that might make this even more interesting.