What is the name of your state? New Jersey
I provide mental health services and do home visits. On a recent visit to a trailer park, my unattended parked car was run into by the person accross the street from where I was going. The woman admitted to having hit my car. I called the police and they came out to the scene. The officer wrote up a report but it won't be done until Monday. When I got home I called the insurance company that the woman provided me. I was shocked to find out that her policy has no liabilty coverage at all. I didn't believe it myself so I called the State Banking and Insurance Commission. It was true. Her insurance only covers her medical expenses if she is injured in an accident or provides a death benefit if she was fatally injured. This "insurance", NJ-SAIP, is completely legal and is available only to people on Medicaid. I wrote a letter to the woman explaining that I will now have to claim this on my insurance. I feel that she is responsible for paying the deductible for my uninsured/underinsured motorist coverage. She refuses to pay anything stating that the trailer park rules are that you can't park on the street and that it is the person that you are visiting's responsiblity to tell you. She produced a copy of the rules and her statement is apparently true. I contend that is irrelevant since there are no signs posted and I don't live there and therefore do not know the rules. Is she liable for the damages to my vehicle? How do I recover my deductible that I have to pay due to her negligence?What is the name of your state?
I provide mental health services and do home visits. On a recent visit to a trailer park, my unattended parked car was run into by the person accross the street from where I was going. The woman admitted to having hit my car. I called the police and they came out to the scene. The officer wrote up a report but it won't be done until Monday. When I got home I called the insurance company that the woman provided me. I was shocked to find out that her policy has no liabilty coverage at all. I didn't believe it myself so I called the State Banking and Insurance Commission. It was true. Her insurance only covers her medical expenses if she is injured in an accident or provides a death benefit if she was fatally injured. This "insurance", NJ-SAIP, is completely legal and is available only to people on Medicaid. I wrote a letter to the woman explaining that I will now have to claim this on my insurance. I feel that she is responsible for paying the deductible for my uninsured/underinsured motorist coverage. She refuses to pay anything stating that the trailer park rules are that you can't park on the street and that it is the person that you are visiting's responsiblity to tell you. She produced a copy of the rules and her statement is apparently true. I contend that is irrelevant since there are no signs posted and I don't live there and therefore do not know the rules. Is she liable for the damages to my vehicle? How do I recover my deductible that I have to pay due to her negligence?What is the name of your state?
