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05-12-2008, 03:57 PM
| | Junior Member | | Join Date: May 2008
Posts: 2
| | | Uninsured Motorists
TX. Problem 1- guy hit me in my fiancees vehicle. he had no drivers license or ins.
Problem 2 - this was my fiancees truck and instead of his ins adding me, they excluded me.
problem 3 - my ins (geico) wont pay the damages to my fiancees truck bc i was not at fault.
Since it was an uninsured motorist, should my fiancees ins cover it still since i was in fact not at fault?
Would someone please give me some kind of idea of what to do?
Last edited by michelleb52; 05-12-2008 at 03:59 PM.
Reason: adding sentence
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05-12-2008, 04:09 PM
| | Senior Member | | Join Date: Jan 2005
Posts: 21,746
| | | You were excluded from the policy. You should not have been driving the vehicle.
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05-12-2008, 04:18 PM
| | Member | | Join Date: Feb 2008
Posts: 197
| | | Zigner is right. There's nothing you can do. |
05-12-2008, 05:51 PM
| | Senior Member | | Join Date: Feb 2005 Location: Elgin, IL USA
Posts: 1,089
| | | If you are living together (same household) and he did not get you listed on his policy, you are not covered. |
05-12-2008, 06:22 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,866
| | | Do you have uninsured motorist or collision coverage on YOUR insurance? If so, it may pay. If not, you will have to sue the uninsured at fault driver. |
05-12-2008, 08:03 PM
| | Junior Member | | Join Date: May 2008
Posts: 2
| | | uninsured motorist
We did not know that I was excluded on his insurance. I was supposed to be added.
My insurance will not pay because I was not at fault. |
05-12-2008, 08:18 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,866
| | | That means you had only liability coverage. So you will have to sue the other driver in small claims court and hope you can collect. |
05-12-2008, 08:55 PM
| | Senior Member | | Join Date: Jul 2007
Posts: 2,337
| | | Do you have written proof that your fiance told his insurance company to add you to his policy as a driver? | |
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