Ohio Insurance Defense Questions & Answers
Q: I co-signed for my 21 year old daughter's car and she keeps missing payments. I am the main borrower on the loan.
You don’t have to provide her with insurance but just not paying for it knowing she’s going to drive isn’t the best plan. First, it won’t get you off the hook for the loan. Second, it won’t cause the financing company to repossess the car. Third, if she wrecks without insurance, she could wind up so deep debt that she will never be able to be fully independent.
Q: What are the consequences of getting in an accident without insurance?
Answered on May 4, 2018
No jail. I'm assuming you had an accident. The other person or their insurance will ask for her insurance. If she doesn't have any they'll ask her to pay. It may be to her advantage NOT TO MAKE ANY AGREEMENT TO DO SO because she may be "judgement proof." It really makes sense to discuss these things with an attorney who handles defense of claims, as she and you need to look at what her assets are and aren't, her need for driving etc. But you don't want to jump into negotiations with the...
Q: So a girl ran through a red light and hit me, she lied and said she didn't. She had suspended licence.
Answered on Apr 10, 2018
See if there is a camera at the intersection or any business has a camera that captures the intersection. It's where the experession "he said she said" comes from.
But if you weren't at fault, and have injuries, contact a member of the Ohio Assn for Justice--they give free consultations.
Q: Borrowed a family members car was involved in a car accident. Found out the family member did not have car insurance
Answered on Jan 17, 2018
But you carried insruance that covered you for liability so you should be OK. If you want, get a consult from an attorney who handles citations. Bring proof that you had coverage through your company at the time of the wreck. Notify your company.
Q: Mom got DUI in truck that is in my name, and had no insurance on it which I thought she did. Will I get in trouble?
You need to contact an attorney in the area where the alleged charges were brought as soon as possible, if you have not done so already. The State has several options available to them on how to proceed, and you need an attorney versed in the law to discuss your options with you. This could be a problem for you since the truck is titled in your name. Do a search here on Justia to find recommended lawyers. You might also reach out to your local law library for recommendations. Good luck to...
Q: My insurance policy ended on 9th. Later on in the day when I realized I purchased different insurance from geico online
Answered on Sep 13, 2017
You need to obtain the electronic mail to and from Gieco to determine whether policy was in effect. In addition, your previous insurance company may have continued the policy of insurance for a short period of time after the cancellation for non-payment.
If you cannot obtain the email information, you may want to contact a computer forensics expert. The email would have left an exact date and time that the email was transmitted from your computer.
However, the on-line...
Q: Can I be held liable for my 18 year olds auto accident, car and insurance in his name?
Generally you aren't responsible for your kids in that regard unless the car was in your name and you lacked adequate coverage. If it's his name and lacked adequate coverage he might be able to get additional coverage on yours but that's not tooo likely the way policies are written now.
Q: I bought a car for someone . They got in a car accident. They have no insurance.Is it my fault and if so what can happen
Answered on Oct 5, 2016
Assuming they are over 18, they are responsible for their wrecks. Question is whose name is it in and if there is insurance,and whose fault the wreck was. If you are on the car as owner then if they were a known risk you may have some exposure not for causing the crash but for giving a car to someone who is a known terrible driver.
If you aren't the registered owner, assuming they are over 18 you made a gift and that ends it.
If the car is on your policy, that policy covers...
Q: Rear-ended someone after passing a green light (5-10mph). What are my rights if I was break-checked...
If you rear-ended someone, you just-about certainly were following too closely. You should ALWAYS leave enough room between you and the car in front of you, so as to guard against EXACTLY this sort of thing happening. So no, I don't think you have a defense.
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