Wife owns car that was uninsured at time of at-fault accident being driven by her sister – PA

Puffy Lux
Better water better life

This is Pennsylvania – cross-posted in r/legaladvice as unsure where best to ask.

LA Series

So my wife has a vehicle that's in her name, however for the past few years her family was insuring the vehicle with her mom, dad, and sister of 17 listed as drivers. Apparently the insurance on the car cancelled back in June and my wife's 17 year old sister was involved in an accident which appears to be at-fault (minor damage of at most 3K and no apparent injuries thankfully).

We're not necessarily worried about her vehicle itself. Our concern is the other vehicle as well as if this would affect my wife for the car unknowingly not having insurance on it. Would my wife be subject to a fine or legal ramifications, and would she be responsible for the damages to the other vehicle? I know in the state of PA insurance follows the vehicle, however since there was no apparent insurance coverage on it, would liability then default to her sister and parents?

Any info would be appreciated. Thank you.

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What happens if you cash out a car insurance claim without repair and get in another accident?

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Puffy Lux

If you get a check from another person's insurance company for damage to your car, and don't repair your car because it's just minor damage, what happens in the future if another person hits your car for minor damage again?

How can the adjuster know what is pre-existing damage or do they just pay for whatever they hit to be repaired regardless of pre-existing damage?

For example, if someone cracks your bumper the first time, it doesn't seem fair the 2nd person to hit the bumper is responsible for the crack.

submitted by /u/mbsell
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Blew engine in my car while driving, insurance appraiser wrote it down as a car accident.

Puffy Lux
Better water better life

Hello all, about a year ago I blew the engine in my car while driving. I wasn’t sure exactly how insurance worked with catastrophic mechanical issues like that or if I would get any money back, so I had an insurance appraiser come out to look at my car. Basically I didn’t get any money for it and I went on my way. Recently when switching car insurance I noticed I had an accident listed on the day I blew my engine, meaning the appraiser put down that I got in some sort of crash. Obviously this has affected my insurance rates for the past year, how do I go about getting this accident taken off my record and is there any chance of getting that money back? Thanks! Also I am in Illinois.

Puffy Lux

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[CA, USA] Car Accident, Bodily Injury Claim Denied, What Can I Do?

Puffy Lux
Better water better life

I was involved in a car accident where the other driver drove off. It was a rental car where somebody other than the person who rented it was driving. The rental car company's insurance denied the claim because an unauthorized person was driving the vehicle, and the renter's personal insurance company found out who was driving the vehicle, but denied the claim and refused to provide a reason for denying it.

Roses

My questions:

  • I do have uninsured/underinsured bodily injury coverage on my own insurance, but would that be applicable here?

  • Is the other person's insurance able to deny the claim without providing a reason for doing so?

  • What should be my next step?

Thanks in advance!

submitted by /u/throwfarfaraway303
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Step daughter got in a car accident

Better water better life
Puffy Lux

Kansas

My stepdaughter was gifted my vehicle. She was given the title, and was to get insurance the first of the month. I kept the vehicle insured until she was able to do that. She never did. She doesn’t live with us and isn’t on my policy. She got in an accident where she rear ended somebody. She exchanged information and said damage to the other vehicle is minimal. She says she’s an insured driver on her boyfriends policy, but they haven’t added this new vehicle to their policy and she still hasn’t registered it in her name. How long does the other driver have to file a claim against me? Will my insurance cover this?

submitted by /u/sotoje316
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Is insurance void if teen has an accident with more passengers in her car than the law allows at her age?

Better water better life
Puffy Lux

I live in one of those big, empty states where 15 year olds can get day-time drivers licenses. (They can drive till 30 minutes after sunset while 15.) Our state is also one that limits the number of passengers a young driver can have. 15 year olds can only have one person who is not a sibling (or other immediate family member) in the car. My daughter is 15.5, an excellent student, and extremely conscientious and responsible with the little 15 year old Toyota I got for her use. She lives with me and the car is at my house all but 1-3 nights a month. She is a worrier. She 100% complies when she is home with me. MY CONCERN: I suspect (when she goes to her father's place 30 miles away once a month for the weekend) that the extended family sometimes lovingly pressures her to do things like drive her two younger cousins to the city pool. I also imagine they ask her to go and pick up another cousin from sports practice at dusk when she is there. Before I make a big fuss with her father, can someone please tell me: Is my insurance on her and the 15 year old Toyota void if she has an incident with extra kids in her car or more than 30 minutes after sunset? Her father brushes off my concern, saying that it would only be a ticket, but that it has nothing to do with her insurance remaining valid… (?) I am skeptical to say the least. Thank you for any insight! TLDR: Is car insurance void if a teen has an accident while transporting more passengers than is legal for their age? (Or if they drive after sunset when their license is only a "day time" license?)

Wiper Blades USA

submitted by /u/aLouise37
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Driver turns across my lane, stops in road; accident 10% my fault?

Puffy Lux
Better water better life

So this is obviously a question about dealing with car insurance. Last week, I traveling down a straight, 40mph road on my way to work. Someone in the other lane started turning (their left; so across my lane) in front of me towards a parking lot (so not an intersection). I took my foot off the gas and covered the brakes for maybe a fraction of a second before I realized they were slowing down, when I hit both the brakes and the horn. Their brake lights are clearly visible in the dash cam footage as the came to a stop in the road, where the front of my car collided with the back of theirs. (Side note: Get a dash cam. This asshole lied to their insurance and never submitted a police report. Imagine their surprise with I give their insurance not only the police report, but also my dash cam footage and a still of their face.)

GlacialPure Refrigerator Water Filter for Whirlpool Filter 1 EDR1RXD1 W10295370 2 Packs

Anyway, NONE of that is being contested. The problem is that their insurance says I didn't hit the brakes soon enough. This person started turning a maximum of 70 feet from me and I hit the brakes as soon as I saw they were slowing down. I don't mean to turn this into a physics lesson, but a 40mph, you have around 44ft of "reaction distance" (how far you travel before your brain goes "oh shit") and ~80ft of actual stopping distance. I feel like I was within that reaction distance.

Is it possible for me to argue them down? Even if it was only to 5% my fault, I can work with that. Right now I'm looking at $400 out of pocket.

submitted by /u/withoutacar
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Scary Car Accident Injury Settlement Questions – California

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Puffy Lux

TRIGGER WARNING : INJURY DETAILS

Figured this would be a good a place as any to get some information. In late 2017, I recently moved to a new city in California to be closer to my girlfriend who received a job in said city. After moving, and living in town for a week, I was hired at a local Hotel, due to having an extensive background in Hospitality, and was told to start the next week. The same night I was hired, I was involved in a serious car accident. The other driver lost control going 55/60 in a 35, going around a winding turn, overcorrected, came into the other lane and fishtailed our car, totaling it. I was the passenger in the front seat of our vehicle, my girlfriend being the driver, not severely injured (thank goodness, already settled, finished and moved on ).

I, on the other hand, unfortunately suffered a non displaced fracture of my Coccyx, and a Traumatic closed fracture of my Sacrum. Now, the damage to my car was so severe, that the EMT had to classify the car crash as "traumatic", something about the indent of the frame being bend in more than 11 inches? I don't quite remember the details, anyways, because of this, EMT's were forced to transport me to 60 miles away to a different city, because the hospital in the city I live does not have a Trauma Unit. 60 miles on potholed country road, flat on my broken back, and ass. No amount of Morphine could make me forget that hour, believe me.

Let's fast forward. Sorry if I skip around, lot's to cover! Since the car accident happened the day I was hired, that made working my new job very difficult. Long story short, I lost that job without even working my first day. That's just the start! Let's move ahead. Around a 40 days bed rest. Several months of Physical Therapy. Bladder problems. Pain Urinating/Pooping. Urologist. Cystoscopy reveals damage and new scarring of my bladder. Blood in urine for several weeks after procedure. Blood in Urine ceases. Resume sexual activity after a month of healing. Blood in semen. Fun. Further healing needed. Pain during defecation subsides eventually. Decide against further surgical procedure to test Bladder nerve function.

Fast forward more. Well into 2018, still not working, due to new numbness and pain radiating down into my left leg. Legs behaving strangely, losing strength. Still have not closed medical treatment, so see doctor again. Sent to Neurologist. Neurologist confirms nerve damage in S1 L5, as well as Lumbosacral Radiculopathy. Neurologist gives me an option of back surgery. I ask for Chiro. He agrees. Insurance approves Chiro twice a month. It helps. 3 more months of Chiro and my own personal workouts, and pain is starting to become somewhat managed. (I would take this chance to point out during this entire time I never allowed the doctor to prescribe me pain medication. The family I moved from was addicted to drugs.)

Now, the time has come to close out, and settle. I live in California, and I have Medi-Cal insurance, as I was unemployed during my initial move, and signed up to cover myself while I was unemployed – (could you imagine if this happened to me without health insurance, my god) – which will effect the pricing of my bills due to their unique negotiating. I basically just want to make sure that I can continue to live my life after this accident. It's becoming pretty clear that my level of physicality has been significantly decreased. My employment in hospitality has always been based around my size, and strength, which I would say I am only at about 65% at best. That's nothing to say about the sheer anxiety I feel around vehicles now, let alone angry or unsafe drivers, and let's not even talk about the nightmares. I am just very curious what to keep in mind when their adjuster offers a settlement. The other driver was completely and admittedly at fault.

Thank God, through all this my girlfriend has stuck with me, and has been keeping me afloat during this time, she saw me at my lowest, struggling to regain my strength just to walk again, and I just want to make sure I can do right by her. I would like to make sure I have enough money to cover all the bills that my insurance will want me to back pay after my settlement, but I am not entirely sure how to calculate my "pain and suffering". There is just so much over the past year and half.. What do I include? We can't exactly afford to get an attorney, we've spoken to a few, and most seem disingenuous unfortunately, so I would prefer not to involve one if I can avoid it. My only problem is, the claims adjuster has been a little shady to me throughout this process, trying to get me to settle early, and without finish treatment. I don't like the feeling that everyone is taking advantage of me while I am hurt. Now that it's over, I just want to make sure I get treated fairly.

I humbly ask Reddit for it's expertise, and advice. Thank you.

submitted by /u/curiousity2020
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Will statefarm use the drive safe and save beacon against us if we ever get into an accident?

Puffy Lux
Better water better life

So, we got this drive safe and save beacon from statefarm that we can put in our car and it monitors how well we drive to give us a discount.

My question is, if there is an accident in the future, will statefarm use the data from that to deny a claim? For example, let's say when the accident happens, we were at 66 mph in a 65 zone. Will statefarm use that technicality against us to deny a claim?

I am just worried that the 5% discount they are giving us for using this may end up costing thousands of dollars later.

submitted by /u/halfelfrogue1
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Got into accident. Insurance company not paying. Did I mess up? (PA, First post)

Better water better life
Puffy Lux

Hello. A while ago, I was driving home from work at night. There was a fallen tree blocking the right-hand lane. I slammed the brakes and swerved left to avoid it, stopping just short of the ledthand concrete barrier, no damage. Then, about a second or two later, I get rearended by a guy in a truck. My front bumper, rear bumper, trunk, and rear passenger tailight are all damaged. We pull over, I don't see a dent on his vehicle, we swap insurance, he seems like a nice guy. Fire department comes, inspects me and him, gets rid of the tree. I drive home.

I start a claim with Allstate. I took pictures to send them, and provided a statement for them, similar to the one above. About a day and a half ago, I get a call back saying that my claim was denied, saying that there wasn't enough evidence to support the claim, and to rub salt in the wound, that I had broken the rules of the road by swerving into the left lane without signaling. Because apparently running into a giant fallen tree trunk is better. And the fact that I didn't damage anything, and the person behind me did…it just makes me mad.

My questions here are, did I mess up somehow? Is there anything that can be done? I don't understand how photographic evidence that this happened and both parties saying it did can lead to nothing, especially because I'm not at fault. Can I appeal this?

If it's worth mentioning, I live in Pennsylvania. Thanks for any advice, suggestions, whatever in advance.

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