My nephew was hit by another driver but the other driver is excluded from the insurance. ins wont cover?

Question

my nephew was pulling in to drive way other driver didnt stop

the insurance claims that he was excluded from the insurance what can my nephew do. they told him he can sue or ask for money. is there anything else that he can do. what type of lawyer would he need to sue. why wont the insurance cover. or why wont my nephews insurance go after that person to get something resolved. can u help i dont know who else to ask

Answer 1

If the person driving was excluded from coverage, then there is no responsibility on the part of the insurance company. Excluded from coverage means exactly that - the insurance company was directed by the owner of the vehicle that this person will not be covered. Your nephew can sue the owner of the car, for letting an uninsured driver operate the vehicle, or he can sue the driver, for driving without insurance. This is a civil matter. As for why your nephews insurance company won't sue on his behalf, I have no idea. Maybe you should ask them.

Answer 2

If your nephew has uninsured motorist insurance his insurance should cover it. If the other driver was excluded on the policy it was for a good reason you would need to go after the owner of the other policy for allowing an excluded driver to use the car.In the future your nephew should consider uninsured motorist coverage.

Answer 3

I used to work for AAA and have heard of this type of thing before. They can exclude a driver on the policy due to a bad driving record or due to parents not wanting to pay the high insurance rates for young teenage drivers. With that being said though you can still go after the insurance company for the damage to your vehicle due to auto insurance covers the car not the person! What that means for you is even though that driver is excluded from the policy that only means that the drivers car is not covered for their damage to their vehicle. The damage to your vehicle should still be covered in most instances due to the owner is always responsible for ANY damage their vehicle causes. That is why insurance is required by everybody who owns a vehicle. You may have to fight a little harder but if you let them know this then you should be able to get your car repaired and any medical bills paid. Look into it I know what I'm talking about. Remember the Auto insurance is for the car not the driver. Only the party who is at fault in this matter should not get there vehicle repaired due to they chose to exclude that driver. Good Luck!

Answer 4

If you nephew has collision coverage on his policy, he should make the claim with his company. He would have to pay his deductible. His insurance company would then attempt to collect the mony back from the other person directly. If and when they collect the money back, your nephew would be reimbursed some or all of his deductible.

The insurance company will not cover accidents/losses resulting from an excluded driver.

If your nephew does not have collision coverage, he could file in small claims court. If he won, there would be a judgement placed on the liable party. Good luck though on getting your money from that.

Sorry, hope this helps

Answer 5

Lately parenting forums have been buzzing with parents looking for ideas how to keep their teenagers from spending a lot of time on the computer and Internet. It seemsthat teenagersthese days are hooked on the computer just as they were hooked on watching television just a decade ago.  In my travels through cyberspace, I have noticed an increasing number of websites and blogs discussing<!--various forms of Insurance and registration related to cars... Yes, these days if we have a car there are lots of things that we should consider into account especially with the insurance thing. I understand what your problem is all about and I think the below website may solve your problem. You can almost find any information related to car insurance.

http://bestcarinsurance.awardspace.com/

Car insurance is essentially insurance that covers you, your passengers, and your car in case of an accident. Most states require that car owners carry liability coverage in their car insurance policy. Liability insurance covers expenses incurred for damaging another vehicle with your own when you are at fault. This means that if you are in a vehicular-->accident and your car caused the damage, then the liability piece of your car insurance will cover the damages according to the terms of your policy.

Answer 6

Insurance companies make it their policy "never to pay".  With that thinking in mind - let's look at this accident.   How can the insurance company exclude that driver?  That is the question you need answered.  They need a legitamite answer too, for it would have to stand up in court.

(I am not one for going to court, because my insurance policy covers the car doing the actual damage(not the driver)...so all drivers are covered.

   As for your nephews insurance going after an individual, they don't do that.  They would be more likely to work something out between insurance companies, but you got to keep after them. to DO something.  That is what I pay insurance for.