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MyFreeAccount OP t1_iyd631u wrote

Reply to comment by MikeWPhilly in My 19yo nephew was at fault and uninsured in an auto accident. He received a bill for $54k from the opposing insurance company. by MyFreeAccount

The car was left in CA, parked and not being driven. He drove it when he returned for a visit.

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MikeWPhilly t1_iyd72p2 wrote

So filling in the blanks is this essentially the car was in California where the son lived and the mother lives in a different state? or does the mother live in cali and it was parked in her driveway and he drove it then while there? The first option the insurance is probably saying it was the kids car, with him in cali where he is living and you weren’t properly insured.

The second option though doesn’t make sense and the insurance company would have to give a reason to deny the claim. My guess is it’s the first but the context still isn’t very clear.

Edit - read some of your other comments. The son was home for a month? Why was he home? Had he just left school and/or moved in temporarily? It sounds like they he was home for a very long period of time and the insurance company was trying to say he was a household member. A household member that you removed to lower costs. So this seems to be the rub but not enough detail on why he was home, how long etc..

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MyFreeAccount OP t1_iydbl4f wrote

They both lived in CA. The nephew went to another state for 6 months. He returned to CA for about a month or so, when the accident happened. He was likely to stay in CA after the visit, but it wasn't a sure thing.

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MikeWPhilly t1_iydf2pp wrote

Yeah this is likely the issue. So the son had no other residence other than the home in CA at that point? If so he’s screwed. You basically had somebody who technically lived there (based off yoru comment he was staying I assume he had no apartment in the other state anymore) and you never updated the insurance for the household.

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halifire t1_iydx7qv wrote

This sounds like the correct reasoning. There's a good chance this kid is considered a household member and should have been added back to the policy shortly after returning home. There's a good chance insurance won't pay for this.

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