im getting sued:( 
im getting sued:(
well 2 years ago my parents bought me a 02 monte and my mom failed to tell me she excluded me from the policy to put me on a cheaper one, so the day i wreck the car it just so happens a week had passed with me not being on it and i totaled my caar and hit a truck while i was at it, so since im not being coved by progressive and they dont wanna pay so geico is coming to me for their money, this sucks!!!!
TECH Addict
Joined: Dec 2001
Posts: 2,264
Likes: 0
From: Cypress, TX
A word to the wise, anything that your insurance company doesn't cover becomes your personal liability. Say, for instance, you are only covered for $25,000 on your collision portion (which I believe is the state minimum, or is it $15K on the minimum?), and you total an $80,000 Mercedes, guess what? You, personally, are responsible for the difference. I carry 50/100/50 coverage, and this is actually lower than I would even recommend.
Sucks, man. Sorry you got stuck with that. Not much you can do except get an attorney and try to fight it. I got sued by an insurance company when I was 21 (15 years ago) for the same scenario, and I had to pay $12,000.00. I had to settle with the lawyers and set up a payment plan because I was found to be at fault (police report and everything) in the accident. Sad, but true, so I totally know where you are coming from here.
Edit: Coverage amounts were incorrect - just checked the policy.
Sucks, man. Sorry you got stuck with that. Not much you can do except get an attorney and try to fight it. I got sued by an insurance company when I was 21 (15 years ago) for the same scenario, and I had to pay $12,000.00. I had to settle with the lawyers and set up a payment plan because I was found to be at fault (police report and everything) in the accident. Sad, but true, so I totally know where you are coming from here.
Edit: Coverage amounts were incorrect - just checked the policy.
Last edited by CySevans; Mar 22, 2005 at 10:39 PM.
Cy, how much does that coverage run you? I know it'd be way diff for me b/c of my record, but I run 50/100/50 right now and in six months I'll be changing companies and probably bumping my coverage. Any thoughts would be appreciated!!
Banned
Joined: Nov 2001
Posts: 1,805
Likes: 0
From: HOUSTON, TEXAS
I would imagine his coverage would be close to mine, but I am 31 compaired to 36. Here is my coverage for 6 months thru Safeco
2002 CHEVROLET
Z06 CORVETTE
BI 100/300 $ 174.00
PD 50 $ 121.00
UM 100/300 $ 36.00
PIP 2.5 $ 36.00
COMP 500 $ 89.00
COLL 500 $ 246.00
TPAF $ .50
TOTAL $ 702.50 RENEWAL
JET
2002 CHEVROLET
Z06 CORVETTE
BI 100/300 $ 174.00
PD 50 $ 121.00
UM 100/300 $ 36.00
PIP 2.5 $ 36.00
COMP 500 $ 89.00
COLL 500 $ 246.00
TPAF $ .50
TOTAL $ 702.50 RENEWAL
JET
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Banned
Joined: Nov 2001
Posts: 1,805
Likes: 0
From: HOUSTON, TEXAS
Hopefull that is enough, so how much are you paying vince and what company. I have to renew mine this April 5th. But I just pay 351 twice for 6 months of coverage. I think it sucks that you cant get a year policy.
Jet
by the way good luck on the law suit
Jet
by the way good luck on the law suit
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Ginger Hater
Joined: Mar 2004
Posts: 2,464
Likes: 0
From: College Station, Tx
Originally Posted by CySevans
A word to the wise, anything that your insurance company doesn't cover becomes your personal liability. Say, for instance, you are only covered for $25,000 on your collision portion (which I believe is the state minimum, or is it $15K on the minimum?), and you total an $80,000 Mercedes, guess what? You, personally, are responsible for the difference. This is why I carry 250/500/250 coverage.
Sucks, man. Sorry you got stuck with that. Not much you can do except get an attorney and try to fight it. I got sued by an insurance company when I was 21 (15 years ago) for the same scenario, and I had to pay $12,000.00. I had to settle with the lawyers and set up a payment plan because I was found to be at fault (police report and everything) in the accident. Sad, but true, so I totally know where you are coming from here.
Sucks, man. Sorry you got stuck with that. Not much you can do except get an attorney and try to fight it. I got sued by an insurance company when I was 21 (15 years ago) for the same scenario, and I had to pay $12,000.00. I had to settle with the lawyers and set up a payment plan because I was found to be at fault (police report and everything) in the accident. Sad, but true, so I totally know where you are coming from here.
Originally Posted by gabeg94z
this sucks im getting sued for 7 grand, just my luck. any advice.
im in kind of a bad position cause i wasnt insured and geico said my previous insurance which was progressive isnt gonna pay the 7 grand so geico said that they want theyre money from me since progressive said i was excluded, awwww man this is stressfull and sucks
Had u not been an exlcluded driver u could have gotten away with saying they let u borrow the car, and u might still could talk to ur lawyer thats how my uncle got out of it when he wrecked my moms truck a long time ago.
TECH Addict
Joined: Dec 2001
Posts: 2,264
Likes: 0
From: Cypress, TX
Originally Posted by cyphur_traq
Cy, how much does that coverage run you? I know it'd be way diff for me b/c of my record, but I run 50/100/50 right now and in six months I'll be changing companies and probably bumping my coverage. Any thoughts would be appreciated!!
This is through State Farm.
Bear in mind I get multi-line (renter's insurance) multi-car and loyalty discounts, so you may not be able to get these premiums.
And I misspoke earlier. Policy shows 50/100/50. I ALMOST got 250/500/250, but the premiums were a little high with having 3 cars on the policy now that I think about it. $500 deductible. Sorry.
2003 Z06 - $538.73
2002 Z71 Silverado - $515.73
2003 Mitsubishi Eclipse Spyder - $676.73
Funny that a 4 cylinder Eclipse would be more than a 405HP Vette, huh? It's a convertible with no roll over safety according to them, so it gets a higher premium. Wonder what a convertible Vette would cost. Vette is listed as a weekend pleasure vehicle and not a daily driver (less than 12K miles per year).
Last edited by CySevans; Mar 22, 2005 at 10:35 PM.
Staging Lane
Joined: May 2004
Posts: 70
Likes: 0
From: Katy
One of my daughters was rear-ended by an uninsured driver back in July. The impact forced her car under the Suburban in front of her...which forced the Suburban into the Jeep Grand Cherokee in front of it. It totalled my daughter's car, which she'd only had for 3-1/2 weeks. Since the driver who caused the accident wasn't insured, she had to use her insurance to cover the replacement cost. But, her insurance company (State Farm) went after the uninsured driver, and recovered her deductible. She received the check just last week...though it's been 8 months since the acident. They also recovered the deductible for the other 2 drivers involved. So yeah...they will come after you.
Sorry for your situation, dude...
Sorry for your situation, dude...
TECH Regular
Joined: Feb 2005
Posts: 480
Likes: 0
From: Ft. Worth, TX
Hmmmm. I thought the reason for getting uninsured/underinsured coverage was for this exact reason.
Meaning if you totaled my truck and it was your fault and you had no insurance you would get a ticket but that my insurance covered it.
Theres a thousand low-lifes around DFW running around with no insurance ive never heard of any of them paying up when it comes time because they dont have it, who knows maybe they let them pay $20.00 a week for the rest of their lives, i dunno. I guess my advice would be to make myself appear as poor as possible......catch my drift. That and get a freakin lawyer for damn sure.
Did you know that non-named non owner insurance is only $20.00 per month for me to drive anyones car anywhere so long as its not in my name and im not the primary driver. Now thats cool ****.
Meaning if you totaled my truck and it was your fault and you had no insurance you would get a ticket but that my insurance covered it.
Theres a thousand low-lifes around DFW running around with no insurance ive never heard of any of them paying up when it comes time because they dont have it, who knows maybe they let them pay $20.00 a week for the rest of their lives, i dunno. I guess my advice would be to make myself appear as poor as possible......catch my drift. That and get a freakin lawyer for damn sure.
Did you know that non-named non owner insurance is only $20.00 per month for me to drive anyones car anywhere so long as its not in my name and im not the primary driver. Now thats cool ****.