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MyFreeAccount OP t1_iyd7eu6 wrote

Reply to comment by InsuranceMD123 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

They know of the accident and don't want to cover the other car. We don't expect them to cover the VW.

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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?

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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.

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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.

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ste1071d t1_iydovwk wrote

Which address is the nephew’s address of record?

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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.

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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.

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