Car insurance ? - Page 5

stilltamn8r · ‎03-14-2010

In some states the insurance ""follows the vehicle"". And in others it ""follows the driver""

pinkskates4 · ‎03-10-2010

On 7/18/2014 LipstickDiva said:
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.

If the insurance doesn't cover this, I think it would be wrong to sue Bob personally. He has already done her the favor of letting her drive the car and paying insurance against any damage she might to do someone else. This accident was not his fault.

So I don't see why she would even consider suing him - unless she is now angry that he didn't purchase additional insurance to cover her medical injuries - which she apparently caused herself.

If she does, I guess it's one more example of - no good deed goes unpunished.

151949 · ‎03-09-2010

On 7/18/2014 mima said:
On 7/18/2014 happy housewife said:
When my parents were in an accident that took their lives my experience was - the auto insurance paid my dad's hospital bills until the total of the policy was used up - which happened in about a week. Then his medical insurance took over.So I would assume the person who was driving this car as the primary driver will be covered until the car insurance is done then her health insurance will take over.

She has no health insurance. That is why Bob is concerned.

Well then she is in violation of a federal law.

151949 · ‎03-09-2010

On 7/18/2014 Dagna said:
On 7/18/2014 LipstickDiva said:
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.

If the insurance doesn't cover this, I think it would be wrong to sue Bob personally. He has already done her the favor of letting her drive the car and paying insurance against any damage she might to do someone else. This accident was not his fault.

So I don't see why she would even consider suing him - unless she is now angry that he didn't purchase additional insurance to cover her medical injuries - which she apparently caused herself.

If she does, I guess it's one more example of - no good deed goes unpunished.

To quote my cousin - who was our atty. when my parents died -"anyone can sue anyone for anything they want, but that doesn't mean they will win. That is up to a jury. " In other words she would have to convince the jury he had done her wrong in some way. I also learned during this experience that judges can throw away frivolous lawsuits.

Bird mama · ‎03-12-2010

On 7/18/2014 happy housewife said:
Well then she is in violation of a federal law.

Yes, holier than thou, Mary is in violation of federal law as is my sister. They will both pay the fine at tax time next year.

There are times when you must speak, not because you are going to change the opposing side, but because if you do not speak, they have changed you.

terrier3 · ‎03-10-2010

On 7/18/2014 happy housewife said:
On 7/18/2014 mima said:
On 7/18/2014 happy housewife said:
When my parents were in an accident that took their lives my experience was - the auto insurance paid my dad's hospital bills until the total of the policy was used up - which happened in about a week. Then his medical insurance took over.So I would assume the person who was driving this car as the primary driver will be covered until the car insurance is done then her health insurance will take over.

She has no health insurance. That is why Bob is concerned.

Well then she is in violation of a federal law.

Oh Please.

She can pay the fine. It's not a lot of money for this year.

The point is that accidents happen to even the healthiest of people and everyone SHOULD WANT to be covered.

It's the responsible thing to do.

Now she has to worry about paying huge medical bills, on top of recuperating from her injuries.

garmer · ‎03-16-2010

4500 dollars seems like a really, really low limit for body harm. That amt. would cover practically nothing.

terrier3 · ‎03-10-2010

On 7/18/2014 garmer said:
4500 dollars seems like a really, really low limit for body harm. That amt. would cover practically nothing.

I know in my state the minimum amount of coverage is MUCH higher.

mima · ‎03-14-2010

On 7/18/2014 terrier3 said:
On 7/18/2014 garmer said:
4500 dollars seems like a really, really low limit for body harm. That amt. would cover practically nothing.

I know in my state the minimum amount of coverage is MUCH higher.

The 4,500 is for the driver (owner of the policy), not the other people that the driver wrecks into. That was much higher.

aubnwa01 · ‎03-09-2010

What would've happened if she had had a passenger riding in the car with her that was also injured? Would Bob's insurance cover that person, too, even though they'd not be listed on his policy?