Q: My daughter was in an accident in a car I owned. I had let the insurance expire and was planning on selling it when he
she borrowed the car and was in an accident. Then the other driver is filing a claim for damage to the vehicle for 4783. The book on the car is 761. at best. Can he hit me with that kind of claim when the car is totaled and virtually worthless? The other driver was also uninsured. My daughter was found to be at fault for the accident. The state sent me the claim because he made a claim with the state. They are threatening to suspend my license. I sent them the documentation that I wasn't driving. I have a conference call with them coming up soon.
A:
You will want to show the total loss value. That is what you owe--what an insurance company would have to pay. You also owe sales tax on that, which is paid to him. To avoid having your license suspended you need to make an agreement as to the value. Hint: don't spent time trashing his value of the vehicle. Someone trashed your vehicle you'd think it was pretty bogue if they spend their time running down your ride. If his car is worth $100 and you don't pay it, yes he can "hit you with it." You didn't have insurance. You let your daughter borrow the car. These are not his fault.
To anyone reading this--if your car isn't on blocks, insure it. Even if it's on blocks, if you want to drop insurance, pull the plates and turn them in. But an uninsured vehicle should NEVER be on the road. They are accident magnets--it's Murphy's law of car insurance!
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