test drive nightmare

[asdf]

What is the name of your state?
New York

i was involved in an accident while test driving a used car, i did not know it was uninsured. even though the accident was caused by the other party speeding, technically i was at fault and the other car probobly was totald. i understand i can be personally sued because of this, however unqualified friends have told me its more likely the owner of the uninsured car will be sued.

if i do get sued i have no money to pay with, and my only valuable property is the 3.5k car i bought, which is my transportation to school and work.

so i guess my questions are these:
how likely is it i will be sued and what can they take? is there some sort of payment plan for these sort of things?

 

[judge425]

Uninsured coverage

if the vehicle that you were driving did not possess a viable policy of insurance, than be prepared that you may be required to answer for the damages caused.. The lack of insurance prevents you and the owner from relying on an insurance carrier to pick up the defense and indemnify the Plaintiff if there is any monetary award. That is if you are sued of course.. the driver's lawyer, in all likelihood will file a claim for uninsured motorist benefits through the driver's own policy. If this happens, than you are open to a claim being made against you on behalf of the driver's insurance company who had to pay their insured for your negligence. This is the path of least resistance for Plaintiff's lawyers to collect on behalf of their client. In a nutshell you may both be sued.. How do you know you were even at fault?

a judgment against you is good forever. your wages can be garnished and accounts can be frozen.. sounds to me like y ou are judgment proof having little to no money.. they are certainly not going to take your car.. its not worth the time for any lawyer.. chances of being sued by Defendant are slim due to availability of monies thru the uninsured motorist coverage. Couldnt tell you the likelihood of the insurance company looking to you for reimbursement through subrogation.

 

[You Are Guilty]

a judgment against you is good forever...

And you were doing so well up to that point, too.

 

[BelizeBreeze]

And you were doing so well up to that point, too.

Tell him what he's won as a consolation prize Johnny!!!

 

[You Are Guilty]

Tell him what he's won as a consolation prize Johnny!!!

Why certainly! In addition to the exciting new "FreeAdvice Home Game", our poster is the proud recipient of this, brand new, imported, customized avatar that will be placed in all of his future posts! (Retail value $1.29). Thanks for playing!

 

[teflon_jones]

even though the accident was caused by the other party speeding, technically i was at fault and the other car probobly was totald.

I'm confused. The other party caused the accident but you're at fault?

how likely is it i will be sued

Based on the limited and confusing information your post, I have no idea.

and what can they take?

Since you own almost nothing, not much right now, but if they win, anything up to your first born child depending how much they get a judgement for.

is there some sort of payment plan for these sort of things?

Yes.

 

[justalayman]

Why certainly! In addition to the exciting new "FreeAdvice Home Game", our poster is the proud recipient of this, brand new, imported, customized avatar that will be placed in all of his future posts! (Retail value $1.29). Thanks for playing!

I love this game!!!!!

 

[judge425]

too much time on hand

Why certainly! In addition to the exciting new "FreeAdvice Home Game", our poster is the proud recipient of brand new, imported, customized avatar that will be placed in all of his future posts! (Retail value $1.29). Thanks for playing

you really have too much free time on hand..you should probably become a professional poster.. you are good my friend...

 

[You Are Guilty]

Why certainly! In addition to the exciting new "FreeAdvice Home Game", our poster is the proud recipient of brand new, imported, customized avatar that will be placed in all of his future posts! (Retail value $1.29). Thanks for playing

you really have too much free time on hand..you should probably become a professional poster.. you are good my friend...

And you should get your facts straight before offering incorrect legal advice.

 

[judge425]

its ok pal...its not your fault..its really alright to cry once in a while. And im still waiting for that damn prize you promised Mr. Trebek..

 

[You Are Guilty]

its ok pal...its not your fault..its really alright to cry once in a while. And im still waiting for that damn prize you promised Mr. Trebek..

Your village called, they said you were supposed to be back by 11 and they're worried about you.

 

[HomeGuru]

too funny.....

 

[judge425]

Your village called, they said you were supposed to be back by 11 and they're worried about you.

How's that basement your living in? Its really ok that you just havent been able to make any scratch in this business..its a shame that this forum doesn't pay cause you could take a nice retainer from any poster that is willing to take your advice and sarcastic undertones...must help you maintain good client rapport..or are you simply your boss' lackey? hmmm its almost 11 so i best get back to "the village" ..P.S.. not a judge..civil service just doesnt pay enough. But why am i telling you this, you know first hand..

 

[You Are Guilty]

How's that basement your living in? Its really ok that you just havent been able to make any scratch in this business..its a shame that this forum doesn't pay cause you could take a nice retainer from any poster that is willing to take your advice and sarcastic undertones...must help you maintain good client rapport..or are you simply your boss' lackey? hmmm its almost 11 so i best get back to "the village" ..P.S.. not a judge..civil service just doesnt pay enough. But why am i telling you this, you know first hand..

Given that my "basement" is worth more than the trailer you're from, then I suppose you have a point. But thanks for confirming that you're not a judge, I never would have guessed

 

[judge425]

Given that my "basement" is worth more than the trailer you're from, then I suppose you have a point. But thanks for confirming that you're not a judge, I never would have guessed

is that all you got.. that im living in a trailer? gosh i thought you were better than that!! and i thought this would have gotten more interesting..whimper whimper..im so sad now :-(