Husband in auto accident-no insurance

[obxgirl72]

What is the name of your state? Indiana
Here is my situation: my husband ran a red light and was t-boned. He then hit another vehicle. All three vehicles were totaled. He let his insurance lapse in December. Obviously I know that he will be getting sued by both insurance companies. My problem is I have a newborn child and am worried about the insurance companies etc coming after me and I lose my house, my car (which was purchased before we were married), the funds in my bank acct (his name is not on that). I am scared to death that I am going to lose everything. Any advice would help.

 

[ro11out]

Try and contact "stephenk" on this forum. He's very helpful. I wish you good luck...hopefully everything works out.

 

[stephenk]

Are you legally married or just living together? Most assets owned by you and hubby are vulnerable to seizure if the other parties sue and obtain a judgment against your husband or yourself. Are you also a registered owner of the car he was driving?

Since he is uninsured, the other parties will most likely make uninsured motorist claims with their own carriers for the property damage and their injuries. Once those carriers settle with their insureds, the carriers will then come after your hubby for reimbursement.

hubby will also lose his license for driving without insurance.

you and your hubby should seriously consult with an attorney.

 

[Lynx 36]

What is the name of your state? Indiana
Here is my situation: my husband ran a red light and was t-boned. He then hit another vehicle. All three vehicles were totaled. He let his insurance lapse in December. Obviously I know that he will be getting sued by both insurance companies. My problem is I have a newborn child and am worried about the insurance companies etc coming after me and I lose my house, my car (which was purchased before we were married), the funds in my bank acct (his name is not on that). I am scared to death that I am going to lose everything. Any advice would help.

Unfortunately everything you mentioned may very well happen to you. If your husband cannot afford car insurance to drive then he needs to stay off the road. Think of all the inconvenience he caused the people he wrecked into. If those people don't have full coverage then they will be stuck w/ a wrecked car, possible injuries, and no way to pay THEIR bills. All b/c your husband made a stupid decision to break the law. I would be after you f/ everything you had as well.

 

[obxgirl72]

reply to lynx36

I have read replies from you with other people. Do you just enjoy making people feel bad? People come to this websight to get advice, not to get picked on by you. Do you think I don't know what a stupid thing it was for my husband to drive uninsured. If I had known, I would certainly have forced the issue. But hindsight is 20/20. Instead of condemning me for what my husband has done in the past why don't you try and give me some advice on what I can do about it now. If you don't have any, then please do not respond to my threads. I really don't need to get into a pissing match with you.

 

[obxgirl72]

ro11out

Any idea how to get ahold of stephenk here?. I am not the most computer savy. I really appreciate the advice.

 

[Lynx 36]

I have read replies from you with other people. Do you just enjoy making people feel bad? People come to this websight to get advice, not to get picked on by you. Do you think I don't know what a stupid thing it was for my husband to drive uninsured. If I had known, I would certainly have forced the issue. But hindsight is 20/20. Instead of condemning me for what my husband has done in the past why don't you try and give me some advice on what I can do about it now. If you don't have any, then please do not respond to my threads. I really don't need to get into a pissing match with you.

Like I said before you give no consideration to the other people involved in this. Your selfish husband was only thinking of himself when he drove. Sorry, no sympathy from me. If you don't like it then go pound salt. Your husband broke the law. I hope you get sued f/ everything you own and you end up living in a cardboard box. I bet he isn't driving w/o insurance today is he!? This is going to be an expensive lesson f/ you as insurance companies are ruthless when they come f/ their money.

Maybe you should stop having babies until you can afford them. Car insurance is a lot cheaper as you will find out shortly on two fronts. No, sorry I have no advice to give you other than what stephenk said. Get a lawyer, you're going to need one. Oh yea, you can always file bankruptcy too after you lose all the judgements against you.

By the way your husband will have his license suspened until restitution is made. If it takes 20 years then he can't legally drive f/ 20 yrs. Thanks f/ playing, have a nice day.

 

[stephenk]

Any idea how to get ahold of stephenk here?. I am not the most computer savy. I really appreciate the advice.

go to your original post and scroll down. I asked you some questions.

 

[ro11out]

Lynx 36, how old are you? You're acting like a child. Nobody is asking for sympathy, especially from you. The person is asking for advice. StephenK seems to be the only one offering it as of now.

 

[Lynx 36]

Lynx 36, how old are you? You're acting like a child. Nobody is asking for sympathy, especially from you. The person is asking for advice. StephenK seems to be the only one offering it as of now.

My advice is to get a lawyer if you can read Skippy. There is nothing good or positive about what is happening here to them. They have no insurance and they are going to get sued and lose. Sorry if it isn't sugar coated enough f/ you.

I deal w/ people like this everyday. They cost businesses and people lot's of hassle, grief, time, and money. So yes, it is a personal pet peeve of mine when people post on here about driving w/ no insurance and want positive feedback. The only thing they can do is get a lawyer to help them navigate the legal quandry they are about to deal with.

Lastly, I never said they were asking f/ sympathy. I simply stated they weren't going to get any sympathy from me. I give lot's of things to people w/o asking. It's b/c I'm such a nice guy.

 

[obxgirl72]

lynx36

Lynx36, like I said I am not trying to get into anything with you. My husband is an ass, I know. In my defense, I do have car insurance and I do worry about the other parties involved. I was asking for advice strictly for me, not for my husband. I have never encountered anything like this because I do have insurance. And just so you know, I only have one child so stop talking to me or about me like I am some welfare case. I pay my bills. My husband just didn't pay his and now I have to pay for it. I am afraid and am not getting any answers from my husband.

 

[ro11out]

My advice is to get a lawyer if you can read Skippy. There is nothing good or positive about what is happening here to them. They have no insurance and they are going to get sued and lose. Sorry if it isn't sugar coated enough f/ you.

I deal w/ people like this everyday. They cost businesses and people lot's of hassle, grief, time, and money. So yes, it is a personal pet peeve of mine when people post on here about driving w/ no insurance and want positive feedback. The only thing they can do is get a lawyer to help them navigate the legal quandry they are about to deal with.

Lastly, I never said they were asking f/ sympathy. I simply stated they weren't going to get any sympathy from me. I give lot's of things to people w/o asking. It's b/c I'm such a nice guy.

Ok, Jif. "Thanks for playing".

 

[Lynx 36]

Ok, Jif. "Thanks for playing".

Why don't you quit trolling around on here and go buy some auto insurance? Your another loser!