what does this insurance letter mean? (didn't have ins when in a wreck)

[willpower102]

What is the name of your state? tn

Friend A (Tom - driver) was driving the uninsured car of friend B (Bob - owner) when Tom rear ended handicapped Lady C, when she pulled out in front of him without looking. Driver Tom was cited at fault.
Owner purchased insurance after the fact, driver took the proof of insurance to court and the no insurance it was dropped upon payment of court fees.

Lady's insurance sent a letter to Owner Bob saying they filed it under uninsured motorist and the bill for damage was 2457.80$, please remit payment. (copy of that letter to come)
Bob responded with letter asking for and itemized list of what this amount entailed.
Insurance responded with 2 letters to both bob and tom (included below) telling each they are at fault, and to remit the claim to their insurance company or call Lady's insurance for payment arrangements.

1. Where did this figure come from and is there any way to get it itemized, get another quote, and or dispute it.

2. Why are they both getting an "at fault" letter? Is the company just hoping one will pony up the cash?

3. Both bob and tom are broke as a joke. Should they just let them try and sue?

4. Any other advice would be appreciated.

[I am neither bob nor tom]


http://i83.photobucket.com/albums/j3...E0085Large.jpg

[racer72]

1. Where did this figure come from and is there any way to get it itemized, get another quote, and or dispute it.

It is what the other party's insurance company paid out to fix her car and it is now too late to get an itemized list and dispute it. That comes with owning and driving an uninsured vehicle.

2. Why are they both getting an "at fault" letter? Is the company just hoping one will pony up the cash?

Because they are both at fault, they don't care who pays.

3. Both bob and tom are broke as a joke. Should they just let them try and sue?

Sounds like a plan. Both will also lose their driver's licenses till the debt is paid.

4. Any other advice would be appreciated.

Don't let Bob or Tom drive your car.

[ecmst12]

They can't dispute the amount of the bill, but they can certainly ask for a copy. They should CALL the adjuster and ask for it. A fair plan would be for Bob and Tom to split the cost and work out a payment plan with the insurance company.

[willpower102]

Originally Posted by racer72

Sounds like a plan. Both will also lose their driver's licenses till the debt is paid.

Whoa, I didn't know this. Can you provide proof? I don't see how the insurance collections has any power to take away their licenses. Is this separate from the proof of financial responsibility they took care of in court?

Originally Posted by racer72

Don't let Bob or Tom drive your car.

LOL. Roger that.

[seniorjudge]

If you have an unpaid judgment against you regarding a car wreck, your license will be revoked.

That is the GENERAL rule.

[seniorjudge]

Originally Posted by racer72

...
Don't let Bob or Tom drive your car.
...

I am not real thrilled with Frank or Joe either!

[willpower102]

Originally Posted by seniorjudge

If you have an unpaid judgment against you regarding a car wreck, your license will be revoked.

That is the GENERAL rule.

Ok. Gothca. But the wreck doesn't automatically count as a judgment right? They have to seek on in court when/if they sue? (Which I'm assuming they will easily win the judgment) Also, is suing over 2500$ going to be worth their time? Eg, how the credit card companies rarely sue people who dispute and don't have the cash?

[seniorjudge]

Q: But the wreck doesn't automatically count as a judgment right?

A: Uh...no. You have to go to court to get a judgment.



Q: They have to seek on in court when/if they sue?

A: Uh...yeah. You have to got to court to get a judgment.



Q: Also, is suing over 2500$ going to be worth their time?

A: I don't know those people; you'd have to axe them.



Q: Eg, how the credit card companies rarely sue people who dispute and don't have the cash?

A: Can you rephrase that? I don't understand the question.

[willpower102]

Sorry for the elementary questions, I just know nothing of this stuff. Common sense dictates most of the answers, but I just needed a second opinion to back me up as my friend seems to think this whole claim is bs...

Originally Posted by seniorjudge

Q: Eg, how the credit card companies rarely sue people who dispute and don't have the cash?

A: Can you rephrase that? I don't understand the question.

Over on creditboards, when people get letters that they are going to be sued, the general rule is to dispute it and hope they don't sue. Nine times out of ten they don't bother with suing over such small amounts. It was just an example. It's really not important and I don't want to divert the conversation too far off topic.

[seniorjudge]

Originally Posted by willpower102

...Sorry for the elementary questions, I just know nothing of this stuff. Common sense dictates most of the answers, but I just needed a second opinion to back me up as my friend seems to think this whole claim is bs....

What?

The law has nothing to do with common sense!?

And don't you forget it....