Hit by NO INSURANCE GUY

[Jen99nm]

What is the name of your state? New Mexico
My boyfriend and out two year old daughter were on a frontage road on the way home and my boyfriend stopped on the side of the road on the shoulder with his hazard lights flashing. Got out of our new 2006 Jeep Liberty (have not even made the first payment on ) and left the door open about 6 inches for the light to stay on and walk around the jeep to get something for our daughter. As he was walking back around the back of the jeep 2 men in a car with no headlights on, speeding, almost hit my boyfriend and hit the door of the jeep, broke the driver's window and completely tore off the front fender. They did not stop and my boyfriend jumped in the jeep and followed them about 100 yards to a gas station where they finally stopped. They had no insurance or registration on there car and were from Mexico. Can I sue for at least my insurance deductible of $500.00?

[CALIF-LAWPRO13]

Originally Posted by Jen99nm

What is the name of your state? New Mexico
My boyfriend and out two year old daughter were on a frontage road on the way home and my boyfriend stoped on the side of the road on the sholder with his hazard lights flashing. Got out of our new 2006 Jeep Liberty (have not even made the first payment on ) and left the door open about 6 inches for the light to stay on and walk around the jeep to get something for our daughter. As he was walking back around the back of the jeep 2 men in a car with no headlights on, speeding, almost hit my boyfriend and hit the door of the jeep, broke the drivers window and compleatly tore off the front fender. They did not stop and my boyfriend jumped in the jeep and followed them about 100 yards to a gas station where they finaly stoped. They had no insurance or registration on there car and were from Mexico. Can I sue for at least my insurance deductable of $500.00?

My response:

Yeah, right. You want to sue an indigent Mexican who "had no insurance or registration"?

What are you going to do, get a Writ of Attachment on his lawn mowing income? Get real.

You should have had Uninsured Motorist Deductible Waiver on your policy. Blame yourself and your boyfriend for having piss-poor coverage.

IAAL

[MandyD]

Also, let's not forget your boyfriend's liability when he left the door open in the dark so that it was impeding traffic.

[CALIF-LAWPRO13]

Originally Posted by MandyD

Also, let's not forget your boyfriend's liability when he left the door open in the dark so that it was impeding traffic.

My response:

Yes. I didn't want to get into the issue of contributory negligence because the primary issue was just so stupid!

These people see Mexicans, and Mexican license plates all over the place, and they think there's insurance? Idiocy. Complete, and utter, idiocy. Knowing these facts, it behooves people to carry the maximum amount of coverages available - - but, they don't, and then they come crying here, to FreeAdvice.

Incredible.

IAAL

[averad]

but think of the children!

[CALIF-LAWPRO13]

Originally Posted by averad

but think of the children!

My response:

These people aren't thinking of the children. Hell, they're not even married!

"Oh, but we're not ready for a commitment, yet." Really? Then what the hell do you think children are, potted plants?

I am so sick and tired of stupid, high school dropouts coming to this forum!

IAAL

[moburkes]

Originally Posted by CALIF-LAWPRO13

My response:

Yeah, right. You want to sue an indigent Mexican who "had no insurance or registration"?

What are you going to do, get a Writ of Attachment on his lawn mowing income? Get real.

You should have had Uninsured Motorist Deductible Waiver on your policy. Blame yourself and your boyfriend for having piss-poor coverage.

IAAL

Hi, although I'm licensed to sell insurance in 20 states, I'm not licensed in NM. But I don't find anywhere on the Dept. of Insurance's website about a UM Deductible Waiver. What is that? The OP would simply file a claim under her collision, but would be responsible for her deductible, like she said. I agree that she won't be able to collect the $500 back.

[You Are Guilty]

Originally Posted by CALIF-LAWPRO13

My response:

Yes. I didn't want to get into the issue of contributory negligence because the primary issue was just so stupid!

These people see Mexicans, and Mexican license plates all over the place, and they think there's insurance? Idiocy. Complete, and utter, idiocy. Knowing these facts, it behooves people to carry the maximum amount of coverages available - - but, they don't, and then they come crying here, to FreeAdvice.

Incredible.

IAAL

Easy solution.

Send the bill to:
George Bush
1600 Pennsylvania Avenue
Washington, D.C.

Include a note stating that if he wants to legalize these people, then he can pay for their crimes.

[moburkes]

Originally Posted by You Are Guilty

Easy solution.

Send the bill to:
George Bush
1600 Pennsylvania Avenue
Washington, D.C.

Include a note stating that if he wants to legalize these people, then he can pay for their crimes.

LMAO! (Apparently that is too short a message). Sorry, freeadvice!

[CALIF-LAWPRO13]

Originally Posted by moburkes

Hi, although I'm licensed to sell insurance in 20 states, I'm not licensed in NM. But I don't find anywhere on the Dept. of Insurance's website about a UM Deductible Waiver. What is that? The OP would simply file a claim under her collision, but would be responsible for her deductible, like she said. I agree that she won't be able to collect the $500 back.

My response:

It's usually a policy provision that an insured can either accept or reject. It's not a "law" - - it's a choice. Most insurance companies offer this additional rider. For only a few extra dollars more per year, an insured can add this "waiver" to their uninsured motorist coverage; e.g., when hit by an uninsured driver, the deductible is "waived" by the insurance company, and the insured's vehicle repairs are covered 100%.

IAAL

[moburkes]

Originally Posted by CALIF-LAWPRO13

My response:

It's usually a policy provision that an insured can either accept or reject. It's not a "law" - - it's a choice. Most insurance companies offer this additional rider. For only a few extra dollars more per year, an insured can add this "waiver" to their uninsured motorist coverage; e.g., when hit by an uninsured driver, the deductible is "waived" by the insurance company, and the insured's vehicle repairs are covered 100%.

IAAL

Okay, I understand. I had never heard of that before. I appreciate the explanation.

Originally Posted by You Are Guilty

Easy solution.

Send the bill to:
George Bush
1600 Pennsylvania Avenue
Washington, D.C.

Include a note stating that if he wants to legalize these people, then he can pay for their crimes.

I was wondering when people's opinions about this issue would start surfacing.
Now I know.

[wdlsguy]

They had no insurance or registration on there car and were from Mexico.

I imagine the local gendarmerie sent them on their merry way without turning them over to ICE for deportation, right? After all, they're only here to have the auto accidents Americans aren't willing to have.

[You Are Guilty]

Originally Posted by shellandty

I was wondering when people's opinions about this issue would start surfacing.
Now I know.

I'm pro manicured lawns, however, I am very anti make-illegal-immigrants-legal. As they say, "only in America"...

[Jen99nm]

Originally Posted by CALIF-LAWPRO13

My response:

These people aren't thinking of the children. Hell, they're not even married!

"Oh, but we're not ready for a commitment, yet." Really? Then what the hell do you think children are, potted plants?

I am so sick and tired of stupid, high school dropouts coming to this forum!

IAAL

Thank You for your opinion on my life. I have my masters in Health Physics and my Fiancé is a College professor at the University of New Mexico. He is not my daughter’s biological father. Her biological father died a year and a half ago. My BOYFRIEND is in the process of adopting her and we are getting married in July!! Why is my relationship in question here? I have insurance and how is it my fault my car was slammed by someone who has no insurance? NM is a state that requires insurance by law. I find this so hard to believe that some people on this web site are so rude.