MyFreeAccount OP t1_iydbl4f wrote on November 30, 2022 at 3:41 PM

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

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.

MikeWPhilly t1_iydf2pp wrote on November 30, 2022 at 4:05 PM

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.

halifire t1_iydx7qv wrote on November 30, 2022 at 6:02 PM

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.