What is the name of your state? Louisiana
I know that Louisiana is harsh towards people with no insurance. Here is the whole story. Saturday my car was parked at my residence (I live in a mobile home park, we have assigned parking spaces) in my parking space when my neighbor's sister (in a rented moving van) backed into my car. My auto insurance had lapsed about 2 weeks prior because I couldn't make the payment. I also have expired tags. I've been driving my husband's truck lately, by the way, not this car. We didn't call the cops to file a report because the girl who hit it said that they wouldn't come out to a private parking lot. I didn't know any better, so I said okay. Well, the lady with the insurance on the van said she called her agent and that because I didn't have insurance, I am liable not them. I was so upset, but I tried to talk to them calmly and explain that even if that is the law, I would think that because this girl was my close friend, we could work out something financially. They know I'm in no spot to pay for something like this and they can well afford it. Besides, I was parked at my own house!!! Anyway, it has gotten extremely ugly to the point of harassment where I've had to call the landlord, so today I called Geico (whom I got coverage with on Monday morning after this happened) and explained the whole situation to them. They are going to handle it for me, and they said that because I was parked at my own home and the car was turned off with no one inside of the car that yes, the driver of the moving van IS liable, not me. The mother of the girl who hit me called me and said that her insurance is not going to cover it and that she talked to three different agents and two lawyers and they all say that the fault is mine. Geico tells me the complete opposite. I'm so upset that they are taking it this far. I was to the point where I was about to say "just forget it",really, it's not a huge dent but they wanted to get ugly about it, so now I'm going to fight it out and let the law decide.
My question is -- who is right? Is Geico right, that their insurance company has to pay up?? I can't find any information regarding Louisiana law and this and it's very frustrating. I tried calling an independent agent today and getting information but because I wasn't their customer they wouldn't help.