Hit by under insured motorist - Page 3 - Camaro5 Chevy Camaro Forum / Camaro ZL1, SS and V6 Forums

Dave McFly · 08-10-2015, 02:21 AM

god that sucks in April my brother was in a bad accident a guy turned in front of him when he was on his motorcycle. he slammed his knee into the handlebar/clutch handle then went over the car and broke his leg in a few places when he hit the ground. my brother's insurance covered the loan on his bike (was a total loss) but he found out like last month the guy that he hit had NO insurance at all and my brother is on the hook for 20K medical bills

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JLSuperfly · 08-10-2015, 09:47 AM

Quote:

Originally Posted by Dave McFly

god that sucks in April my brother was in a bad accident a guy turned in front of him when he was on his motorcycle. he slammed his knee into the handlebar/clutch handle then went over the car and broke his leg in a few places when he hit the ground. my brother's insurance covered the loan on his bike (was a total loss) but he found out like last month the guy that he hit had NO insurance at all and my brother is on the hook for 20K medical bills

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Did your brother have medical insurance?

arkentect · 08-10-2015, 09:53 AM

Quote:

Originally Posted by Bulldog3071

That sucks you could take her to samll claims got and you may not even need a lawyer. Most likely she does not have the money to pay you even if you win.

time to start garnishing wages then.

CRF8 · 08-10-2015, 09:54 AM

In Florida you use your regular medical insurance for motorcycle injuries I think.

Sent from my iPhone using Tapatalk

Dave McFly · 08-10-2015, 11:15 AM

Quote:

Originally Posted by JLSuperfly

Did your brother have medical insurance?

as far as I know he did not his job did not offer it

Scalded Dog · 08-10-2015, 11:21 AM

Quote:

Originally Posted by pickwithaustin

I've never heard of a deductible for uninsured motorist.

A friend of mine had her car wrecked by a hit and run driver. When she tried to file acclaim under her 'uninsured motorist' coverage, she was denied: The insurance company pointed out that the other driver MIGHT have had insurance (we don't know, because he left the scene and was never found), so, therefore, they would not pay.

Clever insurance companies can and will slip all kinds of sneaky rip-you-offs into the terms and clauses...

Taco Time · 08-10-2015, 11:31 AM

What the heck is up with your state's minimum coverage only being $10,000?!?!? It's $25,000 in TX and that's really not enough.

Quote:

Originally Posted by Evil-Bee-NH

Ouch poor camaro. The insurance company trap doors are ridiculous but a 1000 deductible is crap insurance no offense.

It's not crap insurance, it is what he chose. I have a $750 deductible because I don't get in wrecks. $750 is the dollar amount that I selected because if I get any damage and it's under ~$750 I will just pay it out of pocket instead of putting it on my insurance. Higher deductible, lower premium. I'd prefer the lower premium.

mth35115 · 08-10-2015, 12:27 PM

Small claims court doesn't always help I was hit by a uninsured driver and he declared bankruptcy before my adjuster told me my car was totaled.

lsaterz28 · 08-10-2015, 01:05 PM

Ins survey last 2 weeks on MSN. said 30% of drivers have no insurance. Some states % is higher or lower. many are non-citizens there home countries don't have insurance, and they don't get here. High % don't have DL also.

SSeniorMoment · 08-10-2015, 01:35 PM

Many states have reckless driving laws that also apply to private property, four damaged cars doesn't seem like a "regular" parking lot accident.

maddoggyusa · 08-10-2015, 01:44 PM

Quote:

Originally Posted by SSeniorMoment

Many states have reckless driving laws that also apply to private property, four damaged cars doesn't seem like a "regular" parking lot accident.

my dad's car was totaled by a drunk driver parked on street in front of his house. since there were criminal charges, he was able to submit any expenses to the court and judge made him pay it.

sounds like this lady should be up on reckless op or something driving that stupid in a parking lot. Don't be surprised if she's claiming she was on the brake and the more she pressed the faster the car went.

sherob · 08-10-2015, 02:11 PM

Quote:

Originally Posted by Taco Time

What the heck is up with your state's minimum coverage only being $10,000?!?!? It's $25,000 in TX and that's really not enough.

If that's the case, it has just changed in the last few years. When I was taken out by a Cage on my Honda ST1300 in 2005 in Katy, he had the minimum... $10k. Didn't cover all my medical expenses...

Just checked...

In Texas, the required car insurance coverages are: Bodily Injury Liability: Minimum legal requirement $30,000 per person and $60,000 per accident.

Changes started in 2008...

retired mechanic · 08-10-2015, 02:32 PM

Isn"t Kentucky a No Fault State? Like Michigan?

Angrybird 12 · 08-10-2015, 03:07 PM

Quote:

Originally Posted by lsaterz28

Ins survey last 2 weeks on MSN. said 30% of drivers have no insurance. Some states % is higher or lower. many are non-citizens there home countries don't have insurance, and they don't get here. High % don't have DL also.

Raids Online sends me a report daily of police calls within a 3 mile radius of my home. After observing it for a couple months now I would take a educated estimate that a minimum of 50% of the people determined at fault in an accident either have no insurance or are underinsured. Also approximately 75% of those drivers are driving on revoked or expired licenses.
It kind of shocked me there are so many irresponsible people out there.

08-10-2015, 02:21 AM	#29
Dave McFly new car smell Drives: 2007 Ford Mustang 'Natasha' Join Date: Jan 2007 Location: Jamestown, NY Posts: 2,127 View My Garage	god that sucks in April my brother was in a bad accident a guy turned in front of him when he was on his motorcycle. he slammed his knee into the handlebar/clutch handle then went over the car and broke his leg in a few places when he hit the ground. my brother's insurance covered the loan on his bike (was a total loss) but he found out like last month the guy that he hit had NO insurance at all and my brother is on the hook for 20K medical bills . __________________ "May the forces of evil become confused on the way to your house." George Carlin

08-10-2015, 09:54 AM	#32
CRF8 Scenic City Camaro Drives: 2022 Camaro ZL-1 /1974 Firebird 400 Join Date: Jan 2014 Location: Chattanooga TN Posts: 578 View My Garage	Hit by under insured motorist In Florida you use your regular medical insurance for motorcycle injuries I think. Sent from my iPhone using Tapatalk __________________ 2022 Camaro ZL-1, grey 1974 Firebird Formula 400, white https://www.facebook.com/groups/Camaro/ https://www.facebook.com/CRFinTN/?modal=admin_todo_tour

08-10-2015, 12:27 PM	#36
mth35115 Drives: 2010 Camaro rs/ss inferno orange Join Date: Mar 2010 Location: Birmingham, AL Posts: 232	Small claims court doesn't always help I was hit by a uninsured driver and he declared bankruptcy before my adjuster told me my car was totaled. __________________ HOT ROD SS MTH35115

08-10-2015, 01:05 PM	#37
lsaterz28 the vetteman Drives: 68Z/28,09G8/GT,11RS/SS VT,13GMC PU Join Date: Nov 2009 Location: plainfield indiana Posts: 201 View My Garage	Ins survey last 2 weeks on MSN. said 30% of drivers have no insurance. Some states % is higher or lower. many are non-citizens there home countries don't have insurance, and they don't get here. High % don't have DL also. __________________ Yanko style side strips,BBK Long Tube headers no cats,Maggie 2300,Ported trottle body,58 lb injectors,Pedder's sub frame bushings,QTE cut outs,Corsa Performance Ex., Volant Cold Air Kit,catch can, SLP 20" Red Line Wheels, Raymond's Performance Tune RAYMOND'S PERFORMANCE BUILT. Plainfield Indiana.

08-10-2015, 01:35 PM	#38
SSeniorMoment Drives: 2010 2SS/RS LS3 A6 IOM Join Date: May 2013 Location: Arizona Posts: 1,190	Many states have reckless driving laws that also apply to private property, four damaged cars doesn't seem like a "regular" parking lot accident.

08-10-2015, 02:32 PM	#41
retired mechanic Drives: 2012 chevy tahoe Join Date: Mar 2013 Location: Cincinnati Ohio Posts: 27 View My Garage	Isn"t Kentucky a No Fault State? Like Michigan?