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What company sells cheap insurance for learner drivers?

Insurance company is trying to sue me?

  • I was in a car accident in August this year. What happened was this: I'm a learner, I do not have a lisence, but my dad bought me a car to drive in, it's in my name and the car is un-insured. I was driving with my aunt, I pulled up to a T-section, looked left and right and pulled out to turn. On my right is a blind spot, a small hill that I can hardly see over, but as I reached the midle of the T-section still turning, a car comes speeding over the hill and hits me in my drivers side. No one else was was hurt, but my pelvis was broken and I had to be cut out of the car. I got a letter saying it was my fault because I failed to give way, now his insurance company is trying to sure me for 30grand, which I don't have. I'm 19 years old, get paid around 400 bucks a week, and I live with my grandparents. What should I do? What happens now because I don't have the money they want? I got a letter saying "Notice of intention to sue" :( help

  • Answer:

    Hire a lawyer to defend yourself, otherwise, you're going to lose. That lawyer is probably going to cost you at LEAST $10 grand. Now, you're STILL going to end up paying for this, because hey, YOU were the guy with the stop sign. You WERE at fault. If you think "I"m driving illegally in an uninsured car, so if I run a stop sign and hit someone, they're screwed and I'm off the hook," you're completely wrong. You can't just come to a blind spot, and pull forward and hope no one is coming. THAT is not a winning driving strategy - it equates to driving with your eyes closed. So, they're GOING to get SOME judgement against you. Since you don't have the money, or won't pay them what you DO have, you're going to get your permit suspended, and you'll NEVER get a license, until these damages are paid off. Additionally, before you CAN get your license, you'll have to buy an SR22 endorsement on your insurance, which will cost more. Additionally, once they get the judgement, they can attach the wages you DO get, to be paid. They can attach wages FOREVER, until you have paid off this debt. **The only state that DOESN'T require you to have auto insurance, is NH. And even in NH, if you cause an accident, you still must pay for the damages. Additionally, asking grandma's insurance to pay won't work. There's an exclusion in EVERY policy, for an uninsured vehicle in the household. You OWN that car, it's in your name, NO ONE else's insurance will pay, because YOU chose to drive uninsured. There's no "free insurance" escape by claiming under someone else's policy, for your car.

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Wait, i thought it was illegal to drive without insurance...

ak-47

Things get very tricky on a learners permit, in what state do you live? Whoever was your legal guardian at the time, along with your aunt (who was the adult you needed with the learners permit) will both be named in the lawsuit. Your grandparents will probably be named as well. Everyone should contact their insurers and let them know about the claim. They have every right to sue because they paid out money because of your actions. There is no question on this one, you were at fault. Sorry, you probably needed to hear it.

Casey Y

If you live with your grandparents their insurance can pay. You just need to call. Same thing happened to my brother in law without insurance and my mom in laws insurance paid, it was progressive. Your premium will just go up. Next time have insurance it comes in handy, you never know what might happen. Even if you just get the state insurance you'll be fine.

Sandra

When making a left hand turn you have to yield the right of way to oncoming traffic. So, you were at fault. You say the car was uninsured. I am assuming that means that no one, not you or your family had any auto insurance at all on the car. Sometimes there may be coverage on the car anyways depending on some factors like did you just recently buy the car? Companies usually coverage a newly acquired car for a certain amount of time. Does your family have an umbrella policy? Call your agent and ask these questions. Yes, they can sue you but they usually insurance companies do not do that. They may be threatening you to try to get you to pay. That is what bill collectors do. What usually happens if that if you do not pay they will put you in collections. Then you can call them and ask if you can make some kind of payment arrangements with them and they are happy to do that. A lot of times they are unable to collect their money back at all. I doubt they would take you to court, but of course they could. But usually they just put you in collections. I would not worry. I have seen this situation before. While there is no guarantee in life or with your case, but I know what usually happens. If they call ask to be put on the "do not call list". and let them know when you answer that you are recording the call.

car253

If I calculate this correctly, at the time of this accident you were either age 18 or 19, so legally an adult. Since the car was registered in your name, you should have bought insurance for it, but since you were unlicensed, can not. So either your father, or grandparents should have taken out a policy for you to insure this car. Since you were at a T, it appears that the other driver would have the right of way and you have to yield to oncoming traffic. The fact that you could not see or a blind spot, does not matter if the other driver had the right of way, so you will be held liable for the car damages and/or injuries to the other person which appears to be $30,000. You either make payment arrangements to pay them back over time. Otherwise, if they sue you for failure to make arrangements, they win in court and the next thing they will do is most likely garnish your paychecks till paid off. The average in most states is 25%, or for you would be $100 per week that will be taken out. You were driving illegally, since all states require that any car you drive must have insurance and you did not insure this prior to drive to practice on. You were correct to have your aunt in the car, since only a learner, but should have been in either your aunts or your grandparents car learning to driver that HAS insurance on it. Talk to your father, aunt and to your grandparents and see if any of them "might: cover you. It is unlikely, since if only if the car was bought w/in 30 days and in an accident, would they add to another policy. good luck, you will need it.

lucy

@Lucy Not all states require that you have automotive insurance. What I am not clear on is how they hit your drivers side. If you came the to the T intersection and the hill with blind spot is on the right hand side. You then made a turn (which direction?) because for you to make make a left hand turn and they are coming from the right side, they would have hit the passenger side. Again if you are making a right hand turn and they hit your drivers side from the right side, someone was not in their lane.

Chase

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