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waverunner accident

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My 18 year old neice used my waver runner in Illinois. Hit another waver runner. The mother & son taken to hospital - nothing wrong - just shook up. My brother has offered to pay all the medical expenses and repairs to her waver runner(a litle scratch). I have just found out that i do not have insurance on the waver-runner - it lapsed and was cancelled 8/23/00. Insurance company said they notified me 7/23/00 - i did not get any thing. The lady admitted that they had no injuries and were just a little sore. However, what do i do about the insurance. Can she sue me as the owner of the waverunner? She has called wanting the insurance information and i have none to give her now. Also, I am confused why my lender did not notify me that the insurance had lapsed. Any suggestions on what to do. Or do I just get a lawyer and wait for lawsuit papers.



I am a law school graduate. What I offer is mere information, not to be construed as forming an attorney client relationship.

Hello? You are an adult, you know when your insurance is about to lapse or should know. Yes, usually your insurance company sends you a letter stipulating it will end in about 30 days or so...but that doesn't mean you don't have the responsibility of keeping it insured and keeping on top of it.

Pay for the damages she is asking for. If you are afraid she will seek more because you do not have insurance, then I suggest you get yourself an attorney and have him/her settle the matter. Waiting for a lawsuit is not the brightest thing to do, not to mention judgements could wind up on your credit report. So be careful.

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