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SereneFrost72 OP t1_j6k79iy wrote

Reply to comment by kylejack in Other person's car insurance may not cover my car repair, even though they backed into my parked car? by SereneFrost72

Hmm...that's concerning. they definitely weren't drunk, and they're the only person on the policy. He was just heading out of his apartment for leisure. Kinda wondering if he's not current on his payments...guess this could go any which way >.<

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kylejack t1_j6k7qn9 wrote

License suspended or expired, that's another.

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lvlint67 t1_j6l7ukb wrote

In NY i rear ended some lady... driving on a suspended license. My insurance still had to pay out. -_-

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kylejack t1_j6l80l6 wrote

It varies by state but even in states where they're legally obligated they sometimes try to get out of it by calling it an intentional act.

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Baldr_Torn t1_j6npjhj wrote

I don't believe that is correct. At least, I'm pretty sure it wouldn't keep them from paying in Texas. In Texas, you must have car insurance to get your license. (Or fill out paperwork stating you don't own a car.)

So it's very common for them to sell insurance to people who don't have a license. You can't tell people "you must have an insurance to get a license" and at the same time tell them "You must have a license before you can get insurance."

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nondescriptzombie t1_j6ll93u wrote

I'd say an easy 4/5 people doing Instacart/Ubereats/Gighustling aren't upping to commercial insurance required by using your car as such. If he told his insurer he was getting ready to make a delivery when you got hit they'd DQ him in a heartbeat to stop from paying you.

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Arrasor t1_j6kh41z wrote

If he's not current on his payments their insurance would have flat out deny the claim so you at least can rule that out.

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rpsls t1_j6m781d wrote

There is usually a 30 day grace period in the contract. It’s still possible he’s not current, but within the grace period, so the insurance company doesn’t want to pay until/unless he does.

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swollennode t1_j6mi2q3 wrote

sometimes policies lapse without people realizing it.

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