Comments on: When You’re involved in a Car Accident with an Uninsured or Underinsured Motorist

By: Kathy

Kathy — Fri, 09 Dec 2011 15:17:25 +0000

My work truck does not have collision and I was hit by the 100% faulted driver and Police report was completed. Who pays for the damage and towing to my truck? My company says that i can only collect maybe $500. I thought his company would pay the damages since it was his fault.

By: Tim

Tim — Fri, 02 Dec 2011 22:57:04 +0000

My wife and I were rear-ended by an uninsured motorist. I do not have un-insured coverage. My wife and I both sustained back and neck injuries and I have a separated wrist. My question is: I don’t want this guy to do this to someone else. Can I sue him in small claims(Daytona, FL)? Will he lose his license? Any justice at all or will he walk and drive around with no punishment?

By: Vicki

Vicki — Fri, 14 Oct 2011 06:09:04 +0000

I just got back hit by a car at a night at 4am when i was sleeping, my neighbor called the police at the time and the police found me, I got the police report after couple days, but when I called the lady’s insurance company and they said they refused to pay me cause there is some problems with her insurance, I really dont know what to do, cause i also found out that i didnt have insurance at that time because i missed a payment, I m at the worst situation right now, please gimme some advices.

By: ana guadalupe

ana guadalupe — Fri, 09 Sep 2011 08:40:27 +0000

don’t know exactly who hit who but the other party was on my right hand side at an intersection when I heard a loud noise. I turn to my right hand side and see a car. We exchanged information she contacted her insurance company. I signed a paper which I didn’t read
I received call from her insurance company and from her. In her message she said for me to contact the insurance company to claim fault so that this case could get closed and she could move on.

I recall admitting fault but I was really nervous since it hasn’t been the first time I’ve been hit. I also remember her saying that I probably wanted to change lanes and just didn’t see her. she also said she was on the far right hand side and if that is so then she is the one that actually hit me. Please see attached image.

Since she would have had to merge onto my lane or turn right. I also recall her asking me if I knew the name of the intersection we were on. Which points out again that she wasn’t sure where she was at or else would have known the name of the street and of course the streets themselves.

By: L. Napier

L. Napier — Wed, 17 Aug 2011 15:25:48 +0000

I was hit by an uninsured driver and I do not have uninsured motorist coverage. My car is totaled and I now have medical bills. I was living paycheck to paycheck before the accident, and now I can’t afford to fix the car or pay the Dr. bills. I know he can file for bankruptcy, but only if he hasn’t filed in the past several years. How can I find out if he has filed before?

By: Missy

Missy — Thu, 09 Jun 2011 11:24:02 +0000

I was rear-ended by an insured driver. I called 911 and the police officer that showed up said he did not need to file a report since no one was taken away in an ambulance,etc. He left the scene. We exchanged insurance info and when I got home I called my insurance co. They informed me that my policy had expired that day at 12:01 a.m. So, I was uninsured at the time of the accident, and had to go through the driver that hit me insurance. So, I got my policy reinstated over the phone right htere, and called the other insurance co. They are accepting liability and are sending me a check for the damages to my vehicle. My son (who was a paasenger in my car) and I are now sore and stiff and I am having headaches and trouble sleeping (4 days after the accident). I want us to see a doctor, and am not sure as an uninsured motorist at the time of the accident, how mine and my son’s medical bills will be paid. Thanks.

By: OhioBK

OhioBK — Tue, 07 Jun 2011 22:24:26 +0000

I am an attorney and have practiced in the areas of traffic defense, plaintiff’s personal injury, and bankruptcy. In Ohio, the legislature created a wonderful law requiring uninsured or underinsured motorists to pay the amount of the judgment obtained by the injured driver. Failure to make said payment or to enter into a payment arrangement that the insurance company deems acceptable, will keep the negligent driver from being able to driver. The Bureau of Motor Vehicles will actually SUSPEND the driver’s license.

That sounds great at first blush, and it worked very well for a while. However, since sometime in 2010, when explaining to the suspended driver that he/she will need to pay the judgment amount, the Ohio BMV actually recommends that the suspended driver file for bankruptcy. Most people, until that interaction, don’t realize that bankruptcy will discharge that obligation to the injured driver’s insurance company. Now, over the past year, I have seen my ability to recover judgments decrease, and my bankruptcy filings increase.

Reference my blog at http://www.copelawoffices.com to learn more about this recent trend.

By: L. Purnell

L. Purnell — Wed, 08 Dec 2010 21:06:39 +0000

I was in a front collision car accident on thanksgiving 11/25/2010. The other party ran the light and hit my car, then got out and ran. Is there anything that can be done to help me with my situation?

By: Billie Jo

Billie Jo — Sat, 16 Oct 2010 16:06:20 +0000

I was incarcerated when my daughter that doesn’t live with me or have permission to drive my car took my car and let her boyfriend drive who also doesn’t live with me or have my permission got in a car accident he was driving. I was not told about this accident nor was my mother who is taking care of my affairs. My mother called the insurance company to make the monthly payment. And was told that the premium was $499.00 not $136.00 . She questioned them and they told her that my car had been involved in a car accident that my daughter boyfriend had been driving and didn’t have car insurance. And that they added them both to my policy. My mother and I were both shocked. She talked to the claims department to find out what was going on. She was told that they both had to add to my policy due to the boyfriend not having insurance and my daughter that doesn’t even live with me. My mother told them he stole the car and didn’t have any right to drive the vehicle. They said they still had to put them on my policy due to not being insured. How can any insurance company do without even being notified or my permission? What can I do, I want this off my insurance and my record. Please help me.

By: Robb K

Robb K — Thu, 29 Jul 2010 22:48:29 +0000

I was struck from behind by an uninsured soldier; his airbag deployed (it was that hard) and my back is injured. I don’t know what to do at this point; I’m afraid of my 10k coverage not covering my medical expenses. I have bodily injury 100k/300k; but does that apply for me?