Thread: Good News and Bad News

QUOTE (Dana T @ Nov 3 2009, 08:40 PM) Did you also have insurance coverage for the trailer? I bought a policy for the trailer from my auto insurance agent -- it was pretty cheap, something like $23/year -- even though I doubt it covers the trailer when it is not attached to the car. So that means I don't expect any coverage while in the campground, or parked at home. I got the policy primarily for liability...

I agree with Robin G on both accounts. Maybe it's time for mommy and daddy to step in and straighten up their son.

Cliff reported that the driver was 20 years old. An adult. A young one indeed, but still an adult. Not Mommy and Daddy's responsibility by law, anyway.

Homeowner's insurance almost never covers anything with a license plate. In fact most will cover nothing with an engine (thanks Lyndy) unless it is directly related to home maintenance , Like a lawn mower or roto-tiller.

QUOTE (Gina D. @ Nov 6 2009, 04:22 PM) Cliff reported that the driver was 20 years old. An adult. A young one indeed, but still an adult. Not Mommy and Daddy's responsibility by law, anyway. That depends on who the car is registered to. If it's in Mom's and Dad's name they can be held responsible. There have been conditions where adults up to age 25 and their parents have been sued (and the victims won)...

Well, "sunk in a ditch"! I'm with Robin, string 'em up!!! I WILL call my insurance agent to check on mine, but, dang I am so sorry this happened to you. And this was no accident---this was a crime being committed! ARGGGGGG!

Cliff - You may want to file a police report with the CHP if it hasn't been done already. Also consider filing a DMV financial responsibility form (available online). The later does have some teeth in that it requires the other driver to show proof that you were compensated for damages or he has insurance, which is required by CA law. If the teenage driver chooses to ignore the DMV they will not renew his license.

Cliff I felt your lesson about Insurance Coverage was important enough for this discussion to search-able on it's own merits. I gave it a separate topic. While pursuing this through the court system will probably be arduous for you, that may be the only way to prevent the uninsured from getting off Scott-free.

"I just got off the phone with my claims agent, and was told "uninsured motorist" does not cover a trailer attached to the primary vehicle." It should be collision. That is a no fault coverage and IF your TV has it, it should cover the trailer. So regardless of who is at fault, the collision coverage should kick in. Again, IF you have full coverage, it should be covered. Please call the agent again. IF they...