Quote:
Originally Posted by Grady
Ignore all letters they send you! Do not talk to them on the phone! They are trying to bully/scare you into paying. You do not owe them anything until you have a settlement against you in court. It is a waste of time for them to get a settlement against you. If they sue you it is just do that to get more out of your insurance company.
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This is horrible advice. If the costs did indeed exceed his woefully inadequate insurance then the other insurance company is well within their rights to recoup those costs from him directly. His coverage was for only $5,000and the costs to the insurance company were $12,000 this leave a shitload of cash on the table. Ignoring the letters and pushing it to court could only make the whole thing worse for him.
He is a fault. He admits he is at fault. Why should somebody else (yes, even an insurance company) take the hit for his accident? The moral of the story is that if you can't afford to properly insure your car you shouldn't be driving it.
If this was flipped around and he was saying some underinsured guy hit him then everybody here would be screaming for their blood since they were just a horrible human and should not be allowed on the road.