Your question is extremely confusing. Whose car is registered in New York? Whose car lacks insurance? Whose car caused the accident? Who was driving the car? All of that may or may not be relevant. In Florida the person who caused the accident is usually responsible for property damage whether or not he or she has car insurance. It does not matter where the car is registered. In Florida, people go after both the driver and registered owner. The driver caused the accident and the registered owner gave the driver permission to drive the vehicle. Collecting one cent is frequently a different matter.
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If this happened to me, I would find out what my insurance company can do and from there contact the police or file a civil or small claims suit. None, if the accident wasn't reported to the police.
Its your fault
Someone's health insurance is not going to cover any injuries in an auto accident. That covered by the insurance on the vehicle. Since there wasn't any, it would appear the victim(s) only recourse would be to sue. And hope they can collect any judgment they might be awarded. Health Insurance WILL most definitely cover injuries resulting from an automobile accident. Some motoe vehicle insurance policies even have a "health insurance primary" option. The questions was how to determine which is primary , the health insurance or the insured drivers motor vehicle coverage
If the insured had a life policy with an Accidental Death and Dismemberment rider and the insured either died in an accident as indicated by the medical examiners report and the death certificate, or was dismembered as covered according to the definition of the policy, than yes, there is recourse. An insurance policy is a contract and therefor legally binding. But you do not have any recourse if the incident is not covered as described in the policy.
The only specified car insurance coverage in the state of Virginia is uninsured motorist coverage. This requirement is set up so that in the event of an accident, the victim will have recourse to have medical costs, and vehicle damage, paid by the driver at fault.
Are you asking about transmission problems that someone hit you while in park? Or that you didnt have money to fix it and asked the insurance company to help? If its the first scenario, you will need proof that the damage done to your transmission was a direct result from that accident. If its the second one, your insurance doesnt have to pay anything, as that's what warranties are for, not insurance policies.
Depends upon the State of your mother's residence, and the beneficiary of her insurance policy. If the beneficiary was her estate, they might be able to recover the debt; if an individual was the beneficiary, unless that person was a cosignor of the debt, it is not likely they have any recourse. Have you checked to see if your mother's account had debt cancellation coverage? Best of luck. Rjbeeg
Your insurance company did not just decide not to cover you if you have an accident in a rental vehicle. You policy does not provide you with this type of coverage due to the circumstances. You could have prevented this situation by calling your insurance agent and asking this question before you rented the vehicle. If you were just renting a vehicle you could have paid the extra few dollars to the rental car company for physical damage deductible waiver coverage. There are several things you should have done before renting a vehicle that would have prevented this situation.
Take him back to court.
If the driver of the car you were in was at fault and had no insurance you are out of luck. your only recourse if to sue the person who you were driving with to recover damages. If your driver was not at fault but had no insurance the other parties insurance would have to cover your damages. The lesson is not to ride with people who do not carry auto insurance, ever.
Go to court! If insurance is involved, let the insurance handle it and the insurance adjusters handling the case can make determination of injury based on speed and point of impact on a vehicle. If either insurance company denied them payment for injury, and they decide to sue you instead, they will have to back up their medical claims in a court of law. This typically includes things like: medical reports, x-ray results, CAT scan results, blood tests, etc.
You might well be on the hook for the balance. When you leased your vehicle you should have taken out "gap" insurance which would have covered this "gap" in coverage you have just described. Many times whoever leases (or sells) the vehicle will offer this coverage during the sales closing process. Double check your lease documents to determine if you're covered or not.