SD in an auto accident....guy driving had no insurance....

[unionwirewoman]

As if life could possibly get any worse right now.....So sorry to just keep posting about family life , but as I've said before , I really have no one else to talk to . Hubby and I have basically been out of work for 1 1/2 years . Our health insurance works off of a "bank" ( hours worked = hours in bank ) . We self paid for 13 months , but after that so sorry tou're out of luck . My step daughter was out with a friend ( which she was told by her father and her mother NOT to hang out with ) and was involved in a car accident last friday . The ambulance took her to the hospital , where she had a cat-scan and stayed over night due to a concussion , broken nose , and numerous cuts . She was not wearing a seatbelt and was flung into the windshield . She's okay...pretty sore...but okay . The "friend" driving the car rear ended another motorist doing 45 mph . He has no insurance and was given ONLY a ticket for it . Is it just me.....or should the laws up here be a little more strict on people who have NO insurance ?!!!! Meanwhile OUR car insurance will cover all of the medical bills ( up to $5,000 ).You know what that means......rate increase !Our insurance company will then go after the "friend" to get back the money . Just so frusterated.....why do bad things just keep coming ? Why can't the hard working , honest people just get a break ? Sometimes I feel like the people who lie and cheat all of the time get ahead more than the decent people. I've learned that it's easier for most to believe a lie than it is the simple truth . Makes me want to be those people...although I know I could never look at myself if I did . Sorry to bug all of you....just needed to vent . So tired of things going wrong . If our insurance wouldn't have coverd the bills ...we would be pretty close to selling all of the animals and our home .

 

[Mattemma]

TG your SD is OK.We just had a crash this week of a 16yo and her 13yo ds pulling out of the drive for school.

I know we have uninsured motorist coverage,but never checked what it will cover.At the price we are paying for 2 cars we better have it all covered!

I know what you mean about some people lying and getting so much.In those cases you could always report the abuses you know about.I know of a family that owns 2 restaurants,and they somehow have managed to get FREE STATE MEDICAL INSURANCE. for the entire family.Surely they make more than my dh does supporting 4 people on a truckers income. We struggle to pay our private insurance,and I skip going to the doctor,so dh can get his meds and blood tests.He just paid over $300 for a months worth of meds.We are the working poor and do not qualify for help or a *deal* from anyone.

It is frustrating,but just keep plugging along.Apply for programs to help out,and maybe one day you will be pleasantly surprised. As for the medical bills I have paid as low as $5 a month years ago,and as long as I paid something I could not be sent to collections.Could be different these days.

Again,so glad your SD is going to be OK. Hugs to you!

 

[unionwirewoman]

Mattemma......even if you don't have uninsured on your insurance , it will pay medical . Just found this out yesterday from our insurance . The uninsured is for pain and suffering..ours pays up to $25,000 for that . Just thought I'd let ya' know . As for lying and basically being a not so nice person.....I was talking about life in general. Seems like everyone is more willing to believe a lie , than the truth . Sad world we live in . Guess I was born WAY too late . Thanks for the good wishes....I'll live in a tent before taking welfare . Nothing against those that do....the money is there for a good reason....it's just the way I was brought up . Besides , I know how to get food for the table without going to the store !

 

[Me & My Peeps]

You can go after him in court. It may take some time but you will win. He may try and say that he cannot pay but the court will attach any current/future paychecks to get it.

I don't like suing people myself but I understand where your at too. I have been out of work for quite some time myself and although money is tight, I STILL carry auto insurance - its the responsible thing to do. Why should he get away without paying just because he's lazy? Thats money out of YOUR pocket that you will never see again. Why should that be your problem? I know it sounds cold but this economy has hit everyone and we're all trying to stay afloat. Just because he "chose" to not have insurance - is not an excuse.

Thankfully she's ok and it's nothing more serious or longer lasting. It's just pure irresponsibility to not have auto insurance, everybody has it and everybody else has made changes in their life to be able to afford it. He should be no exception. Also, who was the car registered to? Was it him or his parents? You could also go after them for negligence. Sometimes just making it known that your looking to get compensated for damages will be enough for them to pay up and cover the expenses.

Regardless of whether or not you wanted her driving or being with him is another issue. I have seen other cases (much worse, with perm injury's) where the parents had to say their son stole their car and they put him in jail, to get out from under having to pay hundreds of thousands in med bills. If nothing else, it will be a lesson that he will carry with him for the rest of his life.

Good luck and remember; You got here through no fault of your own. Why should you be penalized for that? Plus, if you go after him/his parents, he wont want to see her any more and his parents will make sure he don't see her too. THAT alone is worth it right? LOL

 

[unionwirewoman]

Our insurance will cover up to$5,000 medical , and will also be going after him . Not sure how all of that works . Hubby is leaving tomorrow out of state for work , so has left it up to his ex to deal with the lawyer thing . I can't do it because I'm not a legal guardian . She has fought with him about this, doesn't want to sue because it's a "hassle" . I can however deal with our insurance . They told us to have his ex get ahold of her insurance because it's split custody...yet again she was mad and didn't want to deal with it . Now I have to try to get the police reports from her to send into our insurance .

 

[Me & My Peeps]

Quote:
Well that does make it a bit more messy doesn't it? I dont understand though "why" she wouldn't want to go after him though. Maybe because as it is, all the $$ is on you? There needs to be a fault finding assessment done though, s if any probs creep up in a year or so because of it. Its not about the money as, only the expenses will be covered anyways - but I dont understand why she's not concerned about moving forward with this. It DOES however, say a lot about her character and probably explains why she's his "ex" now lol.
Good luck

 

[unionwirewoman]

Me & My Peeps :

Quote:
Well that does make it a bit more messy doesn't it? I dont understand though "why" she wouldn't want to go after him though. Maybe because as it is, all the $$ is on you? There needs to be a fault finding assessment done though, s if any probs creep up in a year or so because of it. Its not about the money as, only the expenses will be covered anyways - but I dont understand why she's not concerned about moving forward with this. It DOES however, say a lot about her character and probably explains why she's his "ex" now lol.
Good luck

I don't understand either . I'm not the type of person to sue...I've never done it in my life although I've had opprotunities to . She was used to having money at her whim . She drained 3 accounts in 4 months equal to $50,000 while my husband was married to her and working out of town . Don't get me wrong , she seems lke a nice person , and cares a great deal for her kids . She's just used to people footing the bills . She even gets money from her parents every week including the child support we give her ( child support should be lowered because one of the children is 20 and we have still been paying for it ) . It's just an inconvienence for her . I do know personally that just because all of the tests they give you in the hospital show negative , doesn't mean injuries will not show up in the future . I just wish she would do her part so that I can do mine and get this whole thing resolved .​

 

[Sonoran Silkies]

Okay, whose car was the friend driving? Yours or his/her own? I am actually surprised that your coverage would be paying for damage or medical if one of your vehicles was not involved.

I think most states have laws that do not allow insurance rates to be raised for a person who had a claim but was not negligent. DIfferent states have different laws about carrying automobile insurance and the minimum amount of coverage required. I cannot speak for Montana, but I know Arizona requires auto insurance. Really stiff fines for not having it, and I believe that if you are in an accident without insurance, the fines are even higher (not positive on that, but that's my understanding). To get license plates you have to provide the name of your auto insurance to the state, and insurance companies are required to notify the state if you cancel your insurance.

Your husband may be able to authorize you (in writing) to deal with child support. There is a paperwork process to have child support stopped, and getting what has been paid returned is likely not possible. I know that with one of my steps we paid long after she turned 18 (and were paying her college tuition, and she was not living at her mom's), and it took quite a bit of time to get it stopped. For the next one they advised us to start the process months early so that it would stopp once he turned 18.

 

[HorseFeatherz NV]

What a mess.

Hopefully your SD has now learned to wear her seat belt.

 

[unionwirewoman]

The friend that was driving was driving his own car . He was kicked off of his insurance due to too many tickets . Apparently ( at least in the state of Montana ) your kids can get medical bills paid through your auto insurance even when it's in a car you don't own . Happy for that , just wish the laws up here were more strict about no insurance !!

My SD actually has ( or is ) learning to wear her seatbelt . Yesterday we weren't on the road for 2 minutes and she remembered to put it on . Poor kid is black and blue all over and has some pretty good gashes on her arm and one on her throat....so lucky that she's alive !!