ste1071d t1_iychx85 wrote
Insurance follows the car, not the driver. You can loan your car out to someone and it’s insured even though the driver not on the insurance.
You are leaving out key details.
If we finally have this right - the Jetta’s title lists mom, grandma, NOT nephew. The nephew was taken off the insurance. The car wasn’t being driven so someone reduced coverage to the bare minimum in your state. Do we have that right now?
MyFreeAccount OP t1_iyd5gy6 wrote
That is correct.
ste1071d t1_iyd6c7q wrote
So the issue is not that it’s not covered. It’s that the coverage on the vehicle is insufficient for the damage he caused. Unfortunately he should expect to be sued.
InsuranceMD123 t1_iyd68zh wrote
Ok, sounds like you need to let the insurance company that insures the Volkswagen of the claim. They may very well cover the liability portion up to the policy limits, under permissive use. Depends on if the driver was removed, or excluded, but if removed as you say, you guys need to file a claim so they can get involved.
MyFreeAccount OP t1_iyd7eu6 wrote
They know of the accident and don't want to cover the other car. We don't expect them to cover the VW.
InsuranceMD123 t1_iyd7niu wrote
Why won't they cover the liability portion of the claim? Because your nephew was not on the policy? Sounds like permissive use, but every company can be different. Have they given a reason as to why they are denying liability?
MyFreeAccount OP t1_iydaye0 wrote
They say that they won't cover it because he was removed from the policy about two months previous to the accident.
halifire t1_iydp88o wrote
Have you provided them proof that he moved out and no longer lives in the state? They might be assuming or suspecting that he is still living with you. If they are aware of this then you're going to need to hire an attorney to sort this out.
debbiewith2 t1_iyf2sws wrote
He has been living there for a month or so!
ste1071d t1_iydovwk wrote
Which address is the nephew’s address of record?
itsdan159 t1_iydru7n wrote
Ask them if that means they don't cover occasional drivers then, because that would be unusual. Unless he wasn't just removed by specifically excluded from coverage, which would be even more unusual.
therestarefake t1_iyee63f wrote
Was he excluded from the policy for poor driving or driving under the influence? Or was he removed as a regular vehicle driver by the owner of the car? Two different things. The first means if he drove the vehicle the owners should know he won't be covered and they ( and he) will be sued. The second should still cover him under a standard liability insurance policy because the vehicle is insured, not the driver. It will not, however, cover the vehicle he was driving.
Viewing a single comment thread. View all comments