first, I live in Florida, the state full of retard drivers, maybe including myself, I don't know
I do and did at the time of this incident, have insurance
okay, I'm 18
about 3-4 moths ago, I was driving to a T intersection. The cars leading into the intersection were backed up, the cars coming into the road I was on (from the intersection) were also backed up. I was on the line at the 'bottom' of the T (just to give you a visual). all cars were stopped, a truck in front of me was attempting to make a left turn into a parking lot. now because the truck was attempting to turn left, my lane couldn't move,because the oncoming lane was stopped, because someone a few cars behind us in the oncoming lane was trying to turn left as well. so were all stuck, two lanes of cars, because one person is trying to turn left, the other, also turn left. each in separate lanes, holding up the cars behind them.
traffic is backing up well into the intersection, and I wanted to turn right at the intersection, so i decide, to go around the truck on the right, unjam traffic, and at the same time go right. so, I begin to go around the truck on its RIGHT side - which had it's left turn signal on. in doing so, part of my car was in the road, part of it was in a "parking lot"
when the front of my car was about even with the door on the truck, the driver of the truck all of a sudden decided he didn't want to go left, but instead right. and abruptly smashed into my car, dragging his turned front wheel along my door and front fender, tearing my mirror off.
we exchanged info, We had a police officer come to the scene, he collected insurance information and names license blah blah. and we decided not have a report written.
so the officer left, then Mr.H and I both left.
over the following weeks, we exchanged emails, mostly my father and mr. H. Mr. H DEMANDED we pay him 500 dollars, CASH, my father refused, saying that Mr. H could then use that as proof that I was guilty, and file a claim against us which would surely be in his favor.
this entire time, we never filed a claim, because we didn't want to pay my 1000 dollar deductible.
Mr. H said "we left him no choice" and he filed a claim.
my insurance company put me 60% at fault, and him 40%
Mr. H, we learned later from our insurance company, AFTER they payed for his claim, my insurance company requested insurance info from the company he claimed he had insurance under. It turned out he had no insurance with the insurance company.
now, heres my real question:
IS what Mr. H did in making the claim with my insurance company even LEGAL, he didn't have insurance, is he ALLOWED to make a claim without himsefl having insurance? if my insurance company didn't bother to check and make sure he did have insurance FIRST, and then paid him, can we get the money and damages back? (raised rates/premium, damage done to my car, etc?)
he refuses to pay us, and has only CONSIDERED paying 'his' 40% of the damage done to my car. but I doubt he will, as he insists I was entirely at fault.
I do and did at the time of this incident, have insurance
okay, I'm 18
about 3-4 moths ago, I was driving to a T intersection. The cars leading into the intersection were backed up, the cars coming into the road I was on (from the intersection) were also backed up. I was on the line at the 'bottom' of the T (just to give you a visual). all cars were stopped, a truck in front of me was attempting to make a left turn into a parking lot. now because the truck was attempting to turn left, my lane couldn't move,because the oncoming lane was stopped, because someone a few cars behind us in the oncoming lane was trying to turn left as well. so were all stuck, two lanes of cars, because one person is trying to turn left, the other, also turn left. each in separate lanes, holding up the cars behind them.
traffic is backing up well into the intersection, and I wanted to turn right at the intersection, so i decide, to go around the truck on the right, unjam traffic, and at the same time go right. so, I begin to go around the truck on its RIGHT side - which had it's left turn signal on. in doing so, part of my car was in the road, part of it was in a "parking lot"
when the front of my car was about even with the door on the truck, the driver of the truck all of a sudden decided he didn't want to go left, but instead right. and abruptly smashed into my car, dragging his turned front wheel along my door and front fender, tearing my mirror off.
we exchanged info, We had a police officer come to the scene, he collected insurance information and names license blah blah. and we decided not have a report written.
so the officer left, then Mr.H and I both left.
over the following weeks, we exchanged emails, mostly my father and mr. H. Mr. H DEMANDED we pay him 500 dollars, CASH, my father refused, saying that Mr. H could then use that as proof that I was guilty, and file a claim against us which would surely be in his favor.
this entire time, we never filed a claim, because we didn't want to pay my 1000 dollar deductible.
Mr. H said "we left him no choice" and he filed a claim.
my insurance company put me 60% at fault, and him 40%
Mr. H, we learned later from our insurance company, AFTER they payed for his claim, my insurance company requested insurance info from the company he claimed he had insurance under. It turned out he had no insurance with the insurance company.
now, heres my real question:
IS what Mr. H did in making the claim with my insurance company even LEGAL, he didn't have insurance, is he ALLOWED to make a claim without himsefl having insurance? if my insurance company didn't bother to check and make sure he did have insurance FIRST, and then paid him, can we get the money and damages back? (raised rates/premium, damage done to my car, etc?)
he refuses to pay us, and has only CONSIDERED paying 'his' 40% of the damage done to my car. but I doubt he will, as he insists I was entirely at fault.
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