Quote:
Originally Posted by TheR3d1
Update: .... More bad news is that she has a 10k limit for collision so if my car repairs are going to be more than. 10k my dads insurance is going to have to come into play but apperently I was not a listed driver under his insurance so they are making a big deal out of that.
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First off, I hope that you are ok and there were no injuries.
The bad news should be for her in this situation. If the other driver is at fault in this situation they are responsible to cover the damages that they caused whether it is 10k or 100k. What they are liable for has nothing to do with the amount of insurance coverage that they have but the amount of damage that they have caused. This persons insurance will only cover so much, that is true, but you still have the right to go after them personally to cover the repair costs to your car. I don't want to come across as sue happy but I would consider it an option for a valid debt.
Your dad's insurance may not want to pay for an under-insured driver if their customer was not at the wheel but the other driver is still responsible for the damage.
Ever wonder why many home owners carry more insurance than the required minimums? A home is an asset that can be leined in the event they owe a debt.