My Z06 just got totaled. :(

Crash · 12-11-2009, 02:39 AM

BTW, update:

So the lady likely DIDN'T have insurance and the insurance was the registered owner's insurance for the car. I doubt this will effect me, but now I understand why she's fighting this so hard. If the owner of the car lent an unlicensed person the car to drive, and that person gets into the accident, the insurance company isn't required to cover it. That being said, if *I* was at fault, there'd be no problem on her side.

This totally makes sense to me because I couldn't figure out how she'd have her own insurance but no license. Insurance companies just don't give insurance to unlicensed drivers.

I talked to my lawyer today over the phone. I told him the basic story about what happened, and he said it'd be a difficult case to fight, but then I told him she didn't have a license and he changed his tone completely. So I guess that's a good thing. I'm hoping the police report is as on my side as the police were that night.

I wish there was a witness.

370Zsteve · 12-11-2009, 07:25 AM

Quote:

Originally Posted by Crash

BTW, update:

So the lady likely DIDN'T have insurance and the insurance was the registered owner's insurance for the car. I doubt this will effect me, but now I understand why she's fighting this so hard. If the owner of the car lent an unlicensed person the car to drive, and that person gets into the accident, the insurance company isn't required to cover it. That being said, if *I* was at fault, there'd be no problem on her side.

This totally makes sense to me because I couldn't figure out how she'd have her own insurance but no license. Insurance companies just don't give insurance to unlicensed drivers.

I talked to my lawyer today over the phone. I told him the basic story about what happened, and he said it'd be a difficult case to fight, but then I told him she didn't have a license and he changed his tone completely. So I guess that's a good thing. I'm hoping the police report is as on my side as the police were that night.

I wish there was a witness.

No need. An accident investigation can tell the tale. You'd be amazed at what they can tell just from skid marks on the road!

Pharmacist · 12-11-2009, 07:38 AM

Quote:

Originally Posted by Crash

BTW, update:

So the lady likely DIDN'T have insurance and the insurance was the registered owner's insurance for the car. I doubt this will effect me, but now I understand why she's fighting this so hard. If the owner of the car lent an unlicensed person the car to drive, and that person gets into the accident, the insurance company isn't required to cover it. That being said, if *I* was at fault, there'd be no problem on her side.

This totally makes sense to me because I couldn't figure out how she'd have her own insurance but no license. Insurance companies just don't give insurance to unlicensed drivers.

I talked to my lawyer today over the phone. I told him the basic story about what happened, and he said it'd be a difficult case to fight, but then I told him she didn't have a license and he changed his tone completely. So I guess that's a good thing. I'm hoping the police report is as on my side as the police were that night.

I wish there was a witness.

don't you have no fault insurance or coverage for uninsured motorist where you live? just have your company fix the car and avoid all the hassle and lawsuits and crap. and if you're not at fault like you claim, your premiums shouldn't increase.

Crash · 12-11-2009, 06:50 PM

Quote:

Originally Posted by Pharmacist

don't you have no fault insurance or coverage for uninsured motorist where you live? just have your company fix the car and avoid all the hassle and lawsuits and crap. and if you're not at fault like you claim, your premiums shouldn't increase.

HAHA. That car is absolutely totaled. Either way, my insurance is taking care of it. My lawyer said he'll get the insurance company to expedite the payment process and get things settled. After talking to my lawyer today, I'm feeling a lot better about the whole thing.

12-11-2009, 02:39 AM	#1 (permalink)
Crash A True Z Fanatic Join Date: Dec 2008 Location: Los Angeles Posts: 1,853 Drives: 02 Corvette Z06 Rep Power: 591	BTW, update: So the lady likely DIDN'T have insurance and the insurance was the registered owner's insurance for the car. I doubt this will effect me, but now I understand why she's fighting this so hard. If the owner of the car lent an unlicensed person the car to drive, and that person gets into the accident, the insurance company isn't required to cover it. That being said, if I was at fault, there'd be no problem on her side. This totally makes sense to me because I couldn't figure out how she'd have her own insurance but no license. Insurance companies just don't give insurance to unlicensed drivers. I talked to my lawyer today over the phone. I told him the basic story about what happened, and he said it'd be a difficult case to fight, but then I told him she didn't have a license and he changed his tone completely. So I guess that's a good thing. I'm hoping the police report is as on my side as the police were that night. I wish there was a witness. __________________ 2002 Corvette Z06 - Totaled 2003 Corvette Z06 50th Anniversary