Man going through a seizure hits my car with me and my 3 boys in it while stopped at red light I'm not insured and he's not the owner

[Inez0780]

You should go ahead and file the claim with their insurance company. You can always hire an attorney later if things don't go well. Whether or not you have insurance yourself should not be relevant.

Thanks I went ahead and filed the claim with their insurance and to the DMV.

 

[Zigner]

Thread Title: "Man going through a seizure hits my car with me and my 3 boys in it while stopped at red light I'm not insured and he's not the owner
(emphasis added)

Yes I did report it within the 10 days and I did have insurance but at the time of the accident so hopefully its not too bad. Thank you

You'll understand my confusion when you say one thing in the title of your thread, yet you contradict it in the body of your post.

 

[Ohiogal]

Thread Title: "Man going through a seizure hits my car with me and my 3 boys in it while stopped at red light I'm not insured and he's not the owner
(emphasis added)


You'll understand my confusion when you say one thing in the title of your thread, yet you contradict it in the body of your post.

I don't think OP had insurance at the time of the accident.

 

[Zigner]

I don't think OP had insurance at the time of the accident.

In his thread, he stated that he *did* have insurance at the time.

My thinking is actually that he only had liability coverage, so he's "uninsured" insofar as comprehensive/collision insurance is concerned. In other words, his own insurance isn't going to help.

 

[Ohiogal]

In his thread, he stated that he *did* have insurance at the time.

My thinking is actually that he only had liability coverage, so he's "uninsured" insofar as comprehensive/collision insurance is concerned. In other words, his own insurance isn't going to help.

He also said several times he didn't have insurance... So most likely he dropped the word "not" from the phrase at the time of the accident

 

[Zigner]

He also said several times he didn't have insurance... So most likely he dropped the word "not" from the phrase at the time of the accident

Fair enough...and in that case, the OP is looking at a license suspension, as I mentioned in my earlier post.

 

[Ohiogal]

Fair enough...and in that case, the OP is looking at a license suspension, as I mentioned in my earlier post.

Deservedly so...

 

[Litigator22]

Thanks I went ahead and filed the claim with their insurance and to the DMV.

You can file claims until the cows come, BUT if the proximate cause of the collision was an unforeseeable medical condition, YOU AIN'T GOING TO COLLECT DIDDLY! Not from the other driver, not through any existing liability insurance coverage and not from the owner of the automobile!

 

[doucar]

Perhaps, if the driver who hit the OP had med pay coverage, she could get some help. But Med Pay is generally only 1,000 to 5,000.

 

[Zigner]

Perhaps, if the driver who hit the OP had med pay coverage, she could get some help. But Med Pay is generally only 1,000 to 5,000.

Why would the insurance company pay anything if they (their client) has no liability in the matter?

 

[doucar]

Med pay does not depend upon a finding of liability, only and accident involving the insured.

 

[Zigner]

Med pay does not depend upon a finding of liability, only and accident involving the insured.

Med Pay coverage does not cover other parties. Granted, if the OP had med pay coverage, he and/or his passengers could recover from that, but the other driver's med pay coverage doesn't come in to play.