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: 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.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
