What is the name of your state? Florida,
My family and I we heading home on sunday evening and were rear-ended at a stop light by the pizza guy. He was ticketed at the seen and provided a insurance card that we later found out that was a policy not in force. He the 3 weeks later provided his mothers coverage for the vehical that he was driving and damaged. I was informed by the claims adjustor for that policy that his mother had signed a exemption from driving that vehical. He later gave yet another policy that his wife had that covers him but not under the vehical that he was driving. My wife, youngest daughter and myself sustained whiplash type injuries and are seeing a doctor for this, but I was still driving under my Virginia policy since we had just moved down here. I've used up all my med pay and can't get a strait answer from my insurance, and because FL is a no fault state, I apparently cannot sue unless I or my family has sustained permanent disabilities, which will be sometime until we will be able to make that determination. In the mean time the at fault insurance Co. is low balling the repairs to my vehical. Does anyone know if this is true about the permanent injury? and I'm asumming that I will have to take the guy to small claims court to have my repairs covered. I have also heard that FL dosn't have a diminished value for vehicals, since I was trading my car in then end of the year, I'll probable have to hold on to it now. Can the Pizza place be held for liability if the other insurance co. decline coverage for their at vault driver? Thanks RTW
My family and I we heading home on sunday evening and were rear-ended at a stop light by the pizza guy. He was ticketed at the seen and provided a insurance card that we later found out that was a policy not in force. He the 3 weeks later provided his mothers coverage for the vehical that he was driving and damaged. I was informed by the claims adjustor for that policy that his mother had signed a exemption from driving that vehical. He later gave yet another policy that his wife had that covers him but not under the vehical that he was driving. My wife, youngest daughter and myself sustained whiplash type injuries and are seeing a doctor for this, but I was still driving under my Virginia policy since we had just moved down here. I've used up all my med pay and can't get a strait answer from my insurance, and because FL is a no fault state, I apparently cannot sue unless I or my family has sustained permanent disabilities, which will be sometime until we will be able to make that determination. In the mean time the at fault insurance Co. is low balling the repairs to my vehical. Does anyone know if this is true about the permanent injury? and I'm asumming that I will have to take the guy to small claims court to have my repairs covered. I have also heard that FL dosn't have a diminished value for vehicals, since I was trading my car in then end of the year, I'll probable have to hold on to it now. Can the Pizza place be held for liability if the other insurance co. decline coverage for their at vault driver? Thanks RTW