< ahem > You are not a car insurance person. I am not a car insurance person. Frankly, collectively I’m sure we have little more than personal experience with the manner and that’s what I’m looking for. She didn’t ask me to ask for advice, I’m just curious about her situation. So, I’m not giving her legal advice, you’re not giving her legal advice, and- really- either is her actual insurance company hi-yoo!. Anyway, she’s going to be contacting an attorney in a matter of time to find out her rights, I’m just wondering if any of you have been in a similar situation and what you did.
About a month ago, my friend, her mother, her boyfriend, and her year and a half old baby boy came to Las Vegas for a trip while I happened to be here. One afternoon, Grandma offered to take the baby to grab some lunch, so we could go have fun and buy some show tickets. Friend, Friend’s BF, and myself all went in my SUV, while Grandma took friend’s two year old Lexus to find some grub.
Not too long after, we get a call from Grandma, upset but ok (as is the baby), informing us she was in an accident. She was waiting at a light, waiting to make an unprotected left turn. She had pulled a bit into the intersection, but her car was still straight. Coming the opposite direction, a trunk sped around a bend, accelerated towards the light, and went straight through the intersection. Well, they would have gone straight through it hadn’t been for the Lexus in the way. The guy smashed into the driver’s side area around the tire, completely destroying it (the car is completely undriveable). Grandma remembers looking at the car coming towards her and noticing guy in truck was completely turned, looking for something in the backseat of his truck when he smashed into her.
Grandma called the cops, who came out and said it was her fault for not yielding. They even gave her a ticket.
Anywho, Friend calls her insurance company who spends two and a half weeks doing an investigation. They decide the wont cover it because Grandma isn’t on Friend’s policy. Grandma’s insurance wont cover it either, because she wasn’t driving her own car.
The Blue Book on the Lexus is $25k still and the estimates to get it fixed are extremely high.
Is she totally SOL or is there any recourse? Not that it’s an excuse, but she’s very young (21) and when she got her insurance she was under the understanding that it was full coverage. That of course makes no difference now, but I’m just wondering if there’s anything at all she can do, short of buying a new car?
And before anyone makes any snide comments about a 21 year old having such a nice car, this is the girl whose husband was killed in Iraq while she was pregnant. She bought herself that car so she had a good car to take the baby around in, plus I think she got a great deal from the dealership because of her situation.