What is the name of your state? CT
My daughter was in a car accident 2 weeks ago. She was driving home and was hit by another vehicle. She was injured and just underwent surgery for a fracture, plus she had injuries to her knees and right leg. The driver of other vehicle was not injured, and he was drunk. He was arrested at the scene for driving while intoxicated, plus he was on probation.
Now, here's the problem. The car is registered under my name as is the insurance. When we pay the premiums, we split the cost. I pay premium, she pays the next one etc...She was late paying the last premium and we got a letter stating insurance would be cancelled as of 3/16/05. She planned on paying it with her next paycheck so she didn't even tell me. I was unaware of this until the 20th of March(which ironically was the date of accident). When I called to pay premium, I was told the effective date would be 3/22/05. Now, we did hire a lawyer because of her injuries and the car was totalled out by other insurance company(they came out today and deemed car totalled). The lawyer knows about the insurance problem and told us that it didn't matter. I suppose that she knows the law, as she took the case on a contingency basis. The reason why I'm asking here, is because I am going nuts with hearing my son and husband who are both furious with daughter/sister about lapse in ins....they keep saying she won't get the money for car and won't get her medical bill paid et....they state, "she shouldn't of been on the road with no insurance, so she loses"....Is that the way the law/insurance companies see it? We have a total of 3 cars under policy and have been with same company for 3 yrs. with no previous claims.
So, does she have a valid claim here? I would assume so, since the other insurance company seemed not to have a problem with totalling her car.
Thank you,
JUDE
My daughter was in a car accident 2 weeks ago. She was driving home and was hit by another vehicle. She was injured and just underwent surgery for a fracture, plus she had injuries to her knees and right leg. The driver of other vehicle was not injured, and he was drunk. He was arrested at the scene for driving while intoxicated, plus he was on probation.
Now, here's the problem. The car is registered under my name as is the insurance. When we pay the premiums, we split the cost. I pay premium, she pays the next one etc...She was late paying the last premium and we got a letter stating insurance would be cancelled as of 3/16/05. She planned on paying it with her next paycheck so she didn't even tell me. I was unaware of this until the 20th of March(which ironically was the date of accident). When I called to pay premium, I was told the effective date would be 3/22/05. Now, we did hire a lawyer because of her injuries and the car was totalled out by other insurance company(they came out today and deemed car totalled). The lawyer knows about the insurance problem and told us that it didn't matter. I suppose that she knows the law, as she took the case on a contingency basis. The reason why I'm asking here, is because I am going nuts with hearing my son and husband who are both furious with daughter/sister about lapse in ins....they keep saying she won't get the money for car and won't get her medical bill paid et....they state, "she shouldn't of been on the road with no insurance, so she loses"....Is that the way the law/insurance companies see it? We have a total of 3 cars under policy and have been with same company for 3 yrs. with no previous claims.
So, does she have a valid claim here? I would assume so, since the other insurance company seemed not to have a problem with totalling her car.
Thank you,
JUDE