04-16-2010, 07:39 PM
It sounds like b-man is saying the police report doesn't definitively say that the other guy is at fault, so he expect that the insurance company will ream him.
the driver of the other car didn't have a license has no bearing at all on who's at fault as far as the insurance is concerned
Yes, SOP. The only time that comes into play with an insurance company is when the insured is unlicensed. When the company discovers that, they don't have to cover the collision. And when they don't have to, they almost always won't.
textbook case for a good attorney.
Only if a "good attorney" can lay fault on the Other Guy. If not, don't go counting on any settlement money. B-man could sue the Other Guy, but if he doesn't have any insurance (no DL) or any assets, then there's nada to be gained. He could sue his insurance company, and if he wins, the company will have to cover and possibly not be allowed to jack him up, rate-wise.
A lot of this depends on what state he lives in.
Talking to a good lawyer is a good idea, but there are a lot of ambulance chasers out there that likely will be of no help.
Good luck.
the driver of the other car didn't have a license has no bearing at all on who's at fault as far as the insurance is concerned
Yes, SOP. The only time that comes into play with an insurance company is when the insured is unlicensed. When the company discovers that, they don't have to cover the collision. And when they don't have to, they almost always won't.
textbook case for a good attorney.
Only if a "good attorney" can lay fault on the Other Guy. If not, don't go counting on any settlement money. B-man could sue the Other Guy, but if he doesn't have any insurance (no DL) or any assets, then there's nada to be gained. He could sue his insurance company, and if he wins, the company will have to cover and possibly not be allowed to jack him up, rate-wise.
A lot of this depends on what state he lives in.
Talking to a good lawyer is a good idea, but there are a lot of ambulance chasers out there that likely will be of no help.
Good luck.