You aren’t being sued for not having insurance. More likely is that you were in a collision and are being sued for that. If you were driving a company vehicle or were in the course and scope of employment, your employer is required to indemnify you for any liability you incur under Labor Code... View More

A police report is not required to make an insurance claim. But, where there is damage over $1,000, in California you are required to file a report SR-1 with the DMV.

To make a claim, you simply submit the facts to your insurance company. Warning, if you were injured, you would be wise to... View More

Make a claim with the owners insurance company. It will decide whether it wants to contest whether the owner was driving, or whether the driver had the owners permission. After the fact reports of vehicle theft might not be very credible. If you are injured, get medical attention, and hire an... View More

It sounds like you've fulfilled your due diligence. You've made a good-faith effort to work with the other side. In terms of future liability, you don't have control over what the other side might do. Since it was a minor scratch that occurred over a year ago, it's possible the... View More

Maybe the truck driver, his employer and the vehicle owner. Maybe no one. The trucking entities have an obligation to do a pre-trip safety inspection. If the tire was worn, or showed signs of failure, and he drove on it regardless, the trucking entities have some explaining to do. If the truck... View More

It is not illegal. Without knowing specifics, it sounds like the insurer may suspect that your water leak was not "sudden and accidental" (covered), but was ongoing (not sudden or accidental and not covered).

Your insurance contract includes a duty to cooperate with the insurer... View More

Option A: You should contact a vehicle appraiser and consider retaining their services to assist you with this matter.

Option B: You must demand the reasoning that the insurance company is providing to you as to why the value of your car is based on a salvage title. Next, if the insurance... View More

You haven't described the collision, so we don't know who is at fault, and you haven't described your injuries. However, if you went to the ER, it's worth looking at. For your case to have real value, your injuries need to be serious enough that you require treatment after the... View More

Your friend is liable as the operator. However, you can also be held liable as the renter. It could depend on the terms of your agreement. It's possible the other party's attorney could pursue both of you, to cover their bases in terms of securing coverage, whether through primary or... View More

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answered on Sep 8, 2025

Based on your description, it appears the other driver was responsible for the collision, as witnesses confirmed, and you had the right of way at the intersection. The absence of a police report doesn’t automatically determine fault, but it can make documentation and evidence even more important.... View More

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answered on Sep 8, 2025

It’s understandable to be concerned about liability given the circumstances. Based on your description, fault in California car accidents depends on several factors, including the rules of the road, driver behavior, and comparative negligence.

When entering a roadway from a driveway, you... View More

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answered on Aug 19, 2025

When a driver is specifically excluded from an insurance policy—as your son is under the AAA coverage—that exclusion typically means the policy will not provide liability or collision protection if he is behind the wheel. Because you co-own the truck and knew about the exclusion, there could... View More

It is more likely that the parents are liable. If the grandson's action were without permission, you would ordinarily not be liable. There is the concept so implied permission for members of the family household, but that is a factual question that depends on all of the circumstances.

Based on your description, liability appears hard to establish against you since the minor ran the stop sign and your insurance already found you 0% at fault, making the owner’s claim difficult to pursue successfully. However, if the owner files a lawsuit, you would still need to defend it, so... View More

This is 100% the responsibility of your insurance company to fight. If you decide to pay out of pocket, you are violating your insurance contract with your insurer. Stay out of it. If you get sued, the insurer will appoint an attorney to defend you, and that attorney will likely file a... View More

It always depends on the exact language of the settlement agreement and your state’s wrongful death and survivor claim laws. If the agreement included a broad release of all claims, you may have waived the survivor’s claim, even if you weren’t aware of it. However, if the survivor’s claim... View More

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answered on Jul 31, 2025

When you've got a car that goes sideways less than 9 miles after a tire replacement and ends up down a hill, that's not just bad luck - that's somebody's screw-up. And when an insurance company starts throwing around words like "liability investigation" and puts your... View More

From your description it sounds like your grandson (who should be acting like a responsible adult and asking his own questions to solve his problems) was in a vehicle collision, not at fault. The other uninsured driver's demands for payment do not expose grandson to legal liability. The fact... View More

California is a two party consent state. Recording someone without their consent is illegal and can result in criminal charges, including fines and imprisonment, and can also lead to civil lawsuits from those whose conversations were illegally recorded. Additionally, if you attempt to use the... View More

If your car is being totaled, you are being compensated for all damages. It means you are being paid the fair marked value for your car, not the cost of repair, and you are signing title over to the insurance company. If you disagree on the fair market value of your car, you will need to hire an... View More