Q: Is there any way to sue the owner of the car or their insurance company if I was the driver and hit a deer than a tree
So I took over payments on a Camaro about 9 months I was giving the ppl that had the car $70 that first month to cover insurance the following month I told them I was going to get insurance in my name. They stated don’t do that I know the situation you in it’ll be cheaper if I add you to my insurance. So I asked how much it was going to cost. Later that evening they told me. It was going to be $178 a month. So that’s what started paying. On several occasions I asked if they ever added me and they replied yes. So I asked for verification cards just in case I got pulled over or something and they always stated I haven’t received them yet. I was heading home and clipped a deer but it popped my tire and I ran off the road and hit a tree head on. I wasn’t injured but come to find out I wasn’t added to the insurance until 8 am the morning of the accident. Insurance denied the claim. Am I just out the almost 3k I’ve given them for the car payment n insurance or is there something I can do?
A: You can sue them for breach of contract and fraud.
A: I recommend hiring an attorney to determine if you had comprehensive coverage under the policy. If it was liability only this loss will not be covered. Regardless of whether you were a named insured on the policy it should cover a permissive user of the vehicle.
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