Jump to content


Photo
- - - - -

Just totaled my car.


  • Please log in to reply
50 replies to this topic

#41 AppStatePanther

AppStatePanther

    Senior Member

  • Joined: 01-January 09
  • PipPipPipPipPipPip
  • posts: 1,761
  • Reputation: 213
  • LocationMint Hill
HUDDLER

Posted 02 December 2012 - 08:01 AM

If your uninsured coverage pays your medical and you get a new car, suing for more money from a new mom would be pretty crappy.

#42 Anybodyhome

Anybodyhome

    USN Retired

  • Joined: 07-July 10
  • PipPipPipPipPipPipPipPipPip
  • posts: 7,515
  • Reputation: 2,431
  • LocationWherever I May Roam
HUDDLER

Posted 02 December 2012 - 10:08 AM

The only issues you will have will be if your uninsured coverage exceeds your medical bills. At that point you can sue her for the difference. But even if you wi. The likelyhood of collecting is very low. She can just file bankruptcy.


You pay insurance to take care of these things. Let them do the dirty work. You do not need to sue her, you pay insurance premiums so your insurance company can pay their army of lawyers to get what your insurance company needs to take care of you.

You also got it backward- there is likely a lawsuit coming if his medical bills exceed the coverage limits, not the other way around, as you stated.

An insurance policy is nothing more than a retainer for financial and legal services- that's what you pay for, let them earn it.

#43 logic1977

logic1977

    Senior Member

  • Joined: 26-November 08
  • posts: 413
  • Reputation: 68
SUPPORTER

Posted 02 December 2012 - 05:22 PM

Not sure if you are referring to his auto or medical insurance. As far as auto goes, If his coverage is 50 grand and his bills are 100 grand. His insurance is only go to pay out 50 grand. Whether or not the auto decides to sue her for the 50 they paid out isn't going to mean much to floppin as he is 50 short either way.

If you believe that isn't how it works, I'm curious as to what you do think since this is exactly the scenario I am in and what are lawyers have advised and my research has supported.

In fact that was a major caution friends of mine in the field had. Make sure your treatment doesn't exceed your coverage as you will be out of pocket for the difference.

#44 Anybodyhome

Anybodyhome

    USN Retired

  • Joined: 07-July 10
  • PipPipPipPipPipPipPipPipPip
  • posts: 7,515
  • Reputation: 2,431
  • LocationWherever I May Roam
HUDDLER

Posted 02 December 2012 - 07:16 PM

"...if your uninsured coverage exceeds your medical bills..." is what you posted. My interpretation of your statement is as long as his coverage limits are more than his medical bills, he's fine.

The minute his medical bills and other issues begin exceeding his coverage, that's when the problems start. Is this not what you're saying or am I misinterpretting?

#45 Floppin

Floppin

    Smooches

  • Joined: 10-May 10
  • PipPipPipPipPipPipPipPipPip
  • posts: 12,896
  • Reputation: 3,406
  • LocationShallotte, NC
HUDDLER

Posted 02 December 2012 - 08:27 PM

"...if your uninsured coverage exceeds your medical bills..." is what you posted. My interpretation of your statement is as long as his coverage limits are more than his medical bills, he's fine.

The minute his medical bills and other issues begin exceeding his coverage, that's when the problems start. Is this not what you're saying or am I misinterpretting?


I'm fairly positive he just worded his sentence backwards.

#46 Guest_Tom Cat_*

Guest_Tom Cat_*
Guests

Posted 03 December 2012 - 08:46 AM

If your uninsured coverage pays your medical and you get a new car, suing for more money from a new mom would be pretty crappy.


dont worry new moms insurance company will take care of it

#47 Floppin

Floppin

    Smooches

  • Joined: 10-May 10
  • PipPipPipPipPipPipPipPipPip
  • posts: 12,896
  • Reputation: 3,406
  • LocationShallotte, NC
HUDDLER

Posted 03 December 2012 - 09:03 AM

dont worry new moms insurance company will take care of it


You must have missed the part where I said that her insurance policy had canceled and I'm having to file it under my uninsured driver coverage.

#48 Floppin

Floppin

    Smooches

  • Joined: 10-May 10
  • PipPipPipPipPipPipPipPipPip
  • posts: 12,896
  • Reputation: 3,406
  • LocationShallotte, NC
HUDDLER

Posted 03 December 2012 - 11:56 AM

Finally got my accident report and the dumbasses at the police station drew up the diagram for the wrong intersection. I swear to god, everyone in a public service position in Brunswick County is legally retarded.

#49 Anybodyhome

Anybodyhome

    USN Retired

  • Joined: 07-July 10
  • PipPipPipPipPipPipPipPipPip
  • posts: 7,515
  • Reputation: 2,431
  • LocationWherever I May Roam
HUDDLER

Posted 03 December 2012 - 12:45 PM

Some of those intersections suck hugely, too. One of my favorites is where Hickman Rd and Brunswick Plantation both come into 17. Another is where Main Street and Old Shallotte Rd come into 17 just south of the 130 overpass. Both of those you gotta have your head on a swivel.

#50 Guest_Tom Cat_*

Guest_Tom Cat_*
Guests

Posted 03 December 2012 - 05:51 PM

You must have missed the part where I said that her insurance policy had canceled and I'm having to file it under my uninsured driver coverage.


so the dumb ass is breaking the law driving with no insurance and breaks a driving law and causes a wreck. youre damn lucky you arent friggin dead or maimed or you had your daughter in the car and she was hurt. Sue the bitch. Maybe next time she will be more careful or better yet take the bus or catch a ride with someone else cause she cant afford a car any more. Im sick of drunks and idiots on the road causing other folks grief - you hear about the jerk just convicted of 2nd degree murder for dwi and killing a 38 year old mother in Southport last week? Yeah - hed been arrested for dwi a couple times before.

And the worst road in Brunswick County is 211 - its like playing Russian Roulette every time you get on it.


0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users