(12/14 UPDATE!!) Is it totaled??

[tps7c]

So I just spoke with his insurance company, Geico, and they confirmed to me that his insurance policy lapsed on Nov 17th, just 3 days before the accident. Then the policy was renewed after the accident at some point. Seems a bit suspicious, no?

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[1 old racer]

So I just spoke with his insurance company, Geico, and they confirmed to me that his insurance policy lapsed on Nov 17th, just 3 days before the accident. Then the policy was renewed after the accident at some point. Seems a bit suspicious, no?

This can happen. It will be up to the guy to fight his insurance company for them to bridge the gap and depending on the warnings before the laps they may have to bridge the gap and cover him. It happend once with me. Years ago my wife thought I paid it and I thought she paid it and we recieve a offical cancelation. I picked up the phone and talked to them and got them to bridge the gap for ten days. And found out later from a friend in the industry that a 10 day grace is actually required.

 

[tps7c]

Oh man, it just keeps getting more interesting. I googled this guy and he was arrested in October for 6 counts of violating probation:

https://thegeorgiagazette.com/gwinnett/brett-arnold/

 

[CJJon]

Oh man, it just keeps getting more interesting. I googled this guy and he was arrested in October for 6 counts of violating probation:

https://thegeorgiagazette.com/gwinnett/brett-arnold/

I'd take a hard pass on any lawsuits with this fool. It be like monkeying with a hornet's nest thinking you might get some honey.

 

[2016S550]

Sadly its the people who take take and take that seem to be the ones who do this kind of crap. My uninsured motorist coverage is at the Maximum because of this. You would be shocked at how many people drive around with ZERO insurance. And to put things into perspective in Va Beach the fine is a whopping $10 plus court cost ofcourse if convicted of driving without insurance.

 

[CJJon]

Sadly its the people who take take and take that seem to be the ones who do this kind of crap. My uninsured motorist coverage is at the Maximum because of this. You would be shocked at how many people drive around with ZERO insurance. And to put things into perspective in Va Beach the fine is a whopping $10 plus court cost ofcourse if convicted of driving without insurance.

But in GA, the insurance company notifies the state of the lapse and you lose your registration and license. It then becomes a gross misdemeanor to drive.

 

[2016S550]

Yes. If DMV catches wind its a $500 fine. RARELY happens and worse case license is suspended. Like that suspension matters, people do what they want, consequences for bad actions is becoming a thing of the past.

I could document one stupid law change or action by Virginia’s legislature after another that has all but eliminated anything to detract people from driving regardless of what they have done. The honest truth is that only responsible people tend to pay for their actions.

 

[Vert]

It does get worse doesn't it. You can sue/garnish, but the way his car looks, he'll be losing his job soon since he can't get back and forth to work.

 

[Saxgod]

You can only recover diminished value from a 3rd party responsible for the damage. Your contract with your insurance company (policy) doesn't cover it. But you don't have any contract with whoever hits you. Since they don't have insurance, you can still sue them for it IF they have two nickels to rub together.

Fight like hell to make your insurer total it. The fact they put it in writing that it was a total loss when they didn't know they were on the hook should go a long way.

This not correct. I was able to claim diminished value on my own insurance after i was hit by an uninsured motorist.

 

[tps7c]

This not correct. I was able to claim diminished value on my own insurance after i was hit by an uninsured motorist.

Did they give you problems when you put in a diminished value claim?

 

[HoosierDaddy]

This not correct. I was able to claim diminished value on my own insurance after i was hit by an uninsured motorist.

My use of the word "you" was not the editorial variation. His policy does not provide for it.

 

[Saxgod]

My use of the word "you" was not the editorial variation. His policy does not provide for it.

ahh my apologies.

 

[The Demon]

Yes. If DMV catches wind its a $500 fine. RARELY happens and worse case license is suspended. Like that suspension matters, people do what they want, consequences for bad actions is becoming a thing of the past.

I could document one stupid law change or action by Virginia’s legislature after another that has all but eliminated anything to detract people from driving regardless of what they have done. The honest truth is that only responsible people tend to pay for their actions.

When I lived in Illinois the DMV would send you paperwork you had to fill out that you had insurance with policy numbers and such. A no reply was a suspended license. I haven't lived there in awhile but that was what they did. They don't do that in Cali.

 

[Saxgod]

Did they give you problems when you put in a diminished value claim?

Not a single one. What strikes me as strange, but probably money saving on their end, is that unless you research it and know what to ask for there will never be a mention of this from an insurance company.

After i asked they came to me with an offer. In my research i had read it was negotiable and it was definitely negotiable. Ended up with a nice bonus check, then quickly got rid of the truck as fast as soon as the repairs were completed (4 months) before it started giving me problems.

 

[tps7c]

You guys won't believe this, and I suspected it would happen. The repair shop finally gets around to looking at it, I guess a supplemental adjustment is filed, and now they are totaling it out!! So it goes from being totaled, to giving me some bullshit estimate for 7k, to then 3 weeks later being totaled again. So the adjuster was mortified, because she initially entered it as totaled. Then the field adjuster or whatever they call them overruled her. So she basically told me they're about to offer me 36k for my car - which is honestly more than expected. BUT she told me off the record to call her boss and fight to get part of my rental covered by them. Because if it was handled correctly from the beginning, I would have had my check in a week. So because of them, I'm paying 3 more weeks of rental car. Can you guys believe this?

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