Insurance Company Problems... HELP

Skyman · 09-25-2003, 06:38 PM

My girlfriend was driving my 98 cobra and crashed it into a tree. The car is totaled. I only have liability on my car, I was told by her and her father that she woudl be covered driving my car under her insurance. Her insurance refuses to pay for any of the damage.

Does anyone have any idea on this?

The company is USAA..

Thanks
Skyler

VeNuM · 09-25-2003, 08:27 PM

My insurance company told me the insurance follows the car, not the driver, my company is Farmers. Sorry to hear about your loss.....

Maroon 5.0 LX · 09-25-2003, 08:43 PM

Her insurance should cover your car. If they refuse, put pressure on your company to assist you. Otherwise, you may want to get an attorney IF you want to collect.

BigCountryGT · 09-25-2003, 10:10 PM

Dude You are just SOL if you had full coverage your insurance would have covered her as long as you gave her permission and she had a valid DL. But liability is coverage is just that and since her insurance is not on that car it will not pay.

Personally I think insurance companies should cover the driver and not the car, I have four cars and I spend more money on insurance in a month than what I spend on gas for them.

sorry

RBatson · 09-26-2003, 02:42 AM

I'm afraid I'm gonna have to agree with BigCountryGT.. the insurance is on the car, not the person. If you get her insurance to pay for it, it would be the first time I ever heard of that happening. I hate it for you..

P.S. Why oh why did you not get full coverage on a car like that??

The Deuce · 09-26-2003, 03:35 AM

Quote:

Originally posted by Skyman
My girlfriend was driving my 98 cobra and crashed it into a tree. The car is totaled. I only have liability on my car, I was told by her and her father that she woudl be covered driving my car under her insurance. Her insurance refuses to pay for any of the damage.

Does anyone have any idea on this?

The company is USAA..

Thanks
Skyler

The only idea I have is a bad one.

Lean on the old man. Tell him the only reason she ever drove it is because you took his word there would be full coverage. He needs to help you with the uncooperative insurance company.

Sorry about that man. BTW, can I buy the Koni's off you?

Dark_5.0 · 09-26-2003, 08:53 AM

Man thats bad. Insurance covers the car only and does not follow the driver.

If the insurance followed the driver I wouldnt have to have seperate policies on all my cars.

Good luck man,

CADreamin · 09-26-2003, 09:02 AM

I have Allstate full coverage on my car. My G/F's sister has Liberty Mutual full coverage on her's. As was stated above, both our policies cover the acts of other licensed drivers who have our permission to drive the cars. So even though my GF has no insurance policy of her own, she can safely and legally drive both cars.

I hope this helps and good luck with your terrible situation. Her dad may really be the best way to go. Unfortunately, the family situation may be even more dicey than the insurance one.

Skyman · 09-26-2003, 03:44 PM

I am workin it out guys, I'll keep you updated. I have to say I postd this on the corral too, bunch of aholes over there.

Anyways Deuce Yeah I will sell you the konis off the car if you want. Its got bbk lowering springs too that complementd them well and rear control arms.

Skyler

The Deuce · 09-26-2003, 05:39 PM

you have a pm.

Unit 5302 · 09-26-2003, 09:56 PM

See section 4.

Auto Insurance FAQ's

Auto insurance does follow the car, and not the driver, unless you're renting. This is why many policies expressly forbid people who are not listed on the insurance policy to drive the car.

Skyman · 09-27-2003, 12:52 AM

And I quote USAA's auto insurance web site!

Q. Does my insurance cover me if I drive someone else’s vehicle?
A. Yes, in most cases your insurance will cover you if the insurance on the vehicle is adequate. But there are some exceptions.

Q. Am I covered if I rent a vehicle? Do I need to buy the insurance the rental company sells?
A. Again, it’s a good idea to talk this over with your insurance company and the rental company before you make a decision. The answer varies from state to state and the laws regulating rental car insurance change frequently.

In general, if you rent a vehicle for a two-week vacation, your own insurance will cover you in that vehicle just as it would cover you in your own vehicle.

Collision Coverage:
Collision Damage to your vehicle or a vehicle you are operating caused by a collision or rollover.

Topless In Texas · 09-27-2003, 03:38 AM

Damn Skyler
that sucks. I'm realllly sorry to hear about your car! BUT...Im glad your g/f is okay!

Sorry I cant help ya either ....I pay $145 a month for insurance that would NEVER EVER get me what I've got money wise in my car.. they are crooks. I hope you can get the compensation you deserve!
TNT

Good luck to you!
(my ankle is finally healed. lol)

OMG!!!! I just looked at the pics of your Cobra....geez.....I"M REALLY SORRY!!!!! THAT WAS ONE BEAUTIFUL STANG!!!!!!!! I bet shes feeling like **** now. I would not want to be in her shoes at this time. Go easy on her. uggh.

RBatson · 09-27-2003, 05:15 AM

Sky, the only way you are going to get to the bottom of this is to get a copy of her insurance policy and take it to a lawyer. Most lawyers around here will see you the first time for free, just to see if you have a case... blood thirsty bastards! These guys can tell you in about 2 minutes if you have a case. I don't know what the laws are there, they vary so much from state to state, but.. If you do have a case then you can just call the insurance company and tell them you spoke with a lawyer, it makes a difference. If you have a case the insurance company don't want you to know that but if you already know you do then they will negotiate. Good luck brother..

RBatson · 09-27-2003, 06:26 AM

Jim might be able to help you out... too bad Mr 5.0 isn't hanging around anymore..

Topless In Texas · 09-27-2003, 06:29 AM

Quote:

Originally posted by RBatson
Jim might be able to help you out... too bad Mr 5.0 isn't hanging around anymore..

Jim is the man....I miss him.

He was a good guy. AND...VERY KNOWLEDGEABLE!
TNT

Skyman · 09-27-2003, 02:14 PM

Why doesnt he post at all anymore. yeah I will be seeing a lawyer next week. Thanks everyone!! Glad your ankles better!!

Skyler

AJ5pt0 · 09-29-2003, 12:22 AM

Quote:

Originally posted by RBatson
Sky, the only way you are going to get to the bottom of this is to get a copy of her insurance policy and take it to a lawyer.

See a lawyer ASAP, his advice is right on the nose. I lent my car to some *** in college, he supposidly got rear ended and then the driver took off. He tried to make my insurance cover it... Lucky for me his dad was a politician and didn't want the scandel my lawyer was going to make.

Good luck with it. If you need a referral let me know, we have a great lawyer in Ventura.

Amanda

Skyman · 10-01-2003, 06:04 PM

got your email, tried to reply, but your email address bounces back as no good.

Skyman · 10-02-2003, 06:06 PM

Good news everyone, got a call today, cars covered!

09-25-2003, 06:38 PM	#1
Skyman I need 110mph Trap Speed! Join Date: Feb 1999 Location: So, CA Posts: 4,315	Insurance Company Problems... HELP My girlfriend was driving my 98 cobra and crashed it into a tree. The car is totaled. I only have liability on my car, I was told by her and her father that she woudl be covered driving my car under her insurance. Her insurance refuses to pay for any of the damage. Does anyone have any idea on this? The company is USAA.. Thanks Skyler __________________ 2001 BMW M3 6spd 12.79@108 RIP ---- 1993 Notch w/ 98 4V 4.6 Fasttt... -1989 Saleen Mustang #406- 12.32@109 -1999 Black Cobra Coupe- JBA Shorties, Bassani Cat-X, Magnaflow 3", Pulleys, 85mm Pro-M, Ported Intake, Soild Rear w/ 4.30s, Tubular Front End, X2C arms, 13lb batt, few others.

09-25-2003, 08:27 PM	#2
VeNuM Registered Member Join Date: Apr 2002 Location: Downers Grove, IL Posts: 464	My insurance company told me the insurance follows the car, not the driver, my company is Farmers. Sorry to hear about your loss..... __________________ 1989 Black Mustang GT Hatchback, Underdrive Pulles, Electric Fan, Cold Air Intake, Headers, Offroad H-Pipe, Magnaflow catback, Steeda Tri-Ax, Fluidyne Aluminum Radiator, Timing at 14*, 3.73's Coming not so soon: 408w Ricer Hater's Club Member #59

09-25-2003, 08:43 PM	#3
Maroon 5.0 LX Registered Member Join Date: Mar 2001 Location: Southern Maryland Posts: 471	Her insurance should cover your car. If they refuse, put pressure on your company to assist you. Otherwise, you may want to get an attorney IF you want to collect. __________________ '89 LX 5.0 - 5 speed. Original Owner '94 E-150 4.9 Hi-Top Conversion Van '06 Mustang V-6, 5 speed

09-26-2003, 02:42 AM	#5
RBatson Registered Member Join Date: May 1997 Posts: 3,028	I'm afraid I'm gonna have to agree with BigCountryGT.. the insurance is on the car, not the person. If you get her insurance to pay for it, it would be the first time I ever heard of that happening. I hate it for you.. P.S. Why oh why did you not get full coverage on a car like that?? __________________ Tis better to be hated for what you are than loved for what you are not.

09-26-2003, 08:53 AM	#7
Dark_5.0 Registered Member Join Date: Apr 2001 Location: Staging lane Posts: 4,337	Man thats bad. Insurance covers the car only and does not follow the driver. If the insurance followed the driver I wouldnt have to have seperate policies on all my cars. Good luck man, __________________ 92' LX-Big brakes, Lots and lots of suspension, GT40X heads, Ported cobra intake, stock cam, Vortech SC trim. 00' Lightning-Stock 88'CRX-13 second ego killer

09-25-2003, 10:10 PM	#4
BigCountryGT Registered Member Join Date: Jul 2003 Location: meridian, ms Posts: 96	Dude You are just SOL if you had full coverage your insurance would have covered her as long as you gave her permission and she had a valid DL. But liability is coverage is just that and since her insurance is not on that car it will not pay. Personally I think insurance companies should cover the driver and not the car, I have four cars and I spend more money on insurance in a month than what I spend on gas for them. sorry

09-26-2003, 09:02 AM	#8
CADreamin Registered Member Join Date: Dec 2002 Posts: 93	I have Allstate full coverage on my car. My G/F's sister has Liberty Mutual full coverage on her's. As was stated above, both our policies cover the acts of other licensed drivers who have our permission to drive the cars. So even though my GF has no insurance policy of her own, she can safely and legally drive both cars. I hope this helps and good luck with your terrible situation. Her dad may really be the best way to go. Unfortunately, the family situation may be even more dicey than the insurance one. __________________ Greg 98 Mustang GT Coupe

09-26-2003, 03:44 PM	#9
Skyman I need 110mph Trap Speed! Join Date: Feb 1999 Location: So, CA Posts: 4,315	I am workin it out guys, I'll keep you updated. I have to say I postd this on the corral too, bunch of aholes over there. Anyways Deuce Yeah I will sell you the konis off the car if you want. Its got bbk lowering springs too that complementd them well and rear control arms. Skyler __________________ 2001 BMW M3 6spd 12.79@108 RIP ---- 1993 Notch w/ 98 4V 4.6 Fasttt... -1989 Saleen Mustang #406- 12.32@109 -1999 Black Cobra Coupe- JBA Shorties, Bassani Cat-X, Magnaflow 3", Pulleys, 85mm Pro-M, Ported Intake, Soild Rear w/ 4.30s, Tubular Front End, X2C arms, 13lb batt, few others.

09-26-2003, 05:39 PM	#10
The Deuce Registered Member Join Date: Apr 2002 Location: Atlanta, GA Posts: 2,325	you have a pm. __________________ 1997 Mustang GT "The Freak" - 13.80 @ 101.70, 2.07 60' 1995 Honda VFR750 - not much @ really fast (actual data pending.) 1964.5 Mustang 289 Rice Haters Club Member #13

09-26-2003, 09:56 PM	#11
Unit 5302 Registered Member Join Date: May 1999 Posts: 5,246	See section 4. Auto Insurance FAQ's Auto insurance does follow the car, and not the driver, unless you're renting. This is why many policies expressly forbid people who are not listed on the insurance policy to drive the car.

09-27-2003, 12:52 AM	#12
Skyman I need 110mph Trap Speed! Join Date: Feb 1999 Location: So, CA Posts: 4,315	And I quote USAA's auto insurance web site! Q. Does my insurance cover me if I drive someone else’s vehicle? A. Yes, in most cases your insurance will cover you if the insurance on the vehicle is adequate. But there are some exceptions. Q. Am I covered if I rent a vehicle? Do I need to buy the insurance the rental company sells? A. Again, it’s a good idea to talk this over with your insurance company and the rental company before you make a decision. The answer varies from state to state and the laws regulating rental car insurance change frequently. In general, if you rent a vehicle for a two-week vacation, your own insurance will cover you in that vehicle just as it would cover you in your own vehicle. Collision Coverage: Collision Damage to your vehicle or a vehicle you are operating caused by a collision or rollover. __________________ 2001 BMW M3 6spd 12.79@108 RIP ---- 1993 Notch w/ 98 4V 4.6 Fasttt... -1989 Saleen Mustang #406- 12.32@109 -1999 Black Cobra Coupe- JBA Shorties, Bassani Cat-X, Magnaflow 3", Pulleys, 85mm Pro-M, Ported Intake, Soild Rear w/ 4.30s, Tubular Front End, X2C arms, 13lb batt, few others.

09-27-2003, 03:38 AM	#13
Topless In Texas Not broken anymore! Join Date: May 2001 Location: La Porte, TEXASS :) Posts: 1,963	:( Damn Skyler that sucks. I'm realllly sorry to hear about your car! BUT...Im glad your g/f is okay! Sorry I cant help ya either ....I pay $145 a month for insurance that would NEVER EVER get me what I've got money wise in my car.. they are crooks. I hope you can get the compensation you deserve! TNT Good luck to you! (my ankle is finally healed. lol) OMG!!!! I just looked at the pics of your Cobra....geez.....I"M REALLY SORRY!!!!! THAT WAS ONE BEAUTIFUL STANG!!!!!!!! I bet shes feeling like **** now. I would not want to be in her shoes at this time. Go easy on her. uggh. __________________ R.I.P. my Kinde..Jan. 19,1992-Aug. 22, 2003. Shes Cruisin' doggie heaven in a Blown Verte or a GTO!!! 2005 ROUSH GT Verte SuperStallions of the Net Feature, May 2002 RICE HATERS CLUB MEMBER #38!! O.B.C #5..thank you!! I feel so priveledged!! BONE STOCK~ Hell, its a ROUSH!

09-27-2003, 05:15 AM	#14
RBatson Registered Member Join Date: May 1997 Posts: 3,028	Sky, the only way you are going to get to the bottom of this is to get a copy of her insurance policy and take it to a lawyer. Most lawyers around here will see you the first time for free, just to see if you have a case... blood thirsty bastards! These guys can tell you in about 2 minutes if you have a case. I don't know what the laws are there, they vary so much from state to state, but.. If you do have a case then you can just call the insurance company and tell them you spoke with a lawyer, it makes a difference. If you have a case the insurance company don't want you to know that but if you already know you do then they will negotiate. Good luck brother.. __________________ Tis better to be hated for what you are than loved for what you are not.

09-27-2003, 06:26 AM	#15
RBatson Registered Member Join Date: May 1997 Posts: 3,028	Jim might be able to help you out... too bad Mr 5.0 isn't hanging around anymore.. __________________ Tis better to be hated for what you are than loved for what you are not.

09-27-2003, 02:14 PM	#17
Skyman I need 110mph Trap Speed! Join Date: Feb 1999 Location: So, CA Posts: 4,315	Why doesnt he post at all anymore. yeah I will be seeing a lawyer next week. Thanks everyone!! Glad your ankles better!! Skyler __________________ 2001 BMW M3 6spd 12.79@108 RIP ---- 1993 Notch w/ 98 4V 4.6 Fasttt... -1989 Saleen Mustang #406- 12.32@109 -1999 Black Cobra Coupe- JBA Shorties, Bassani Cat-X, Magnaflow 3", Pulleys, 85mm Pro-M, Ported Intake, Soild Rear w/ 4.30s, Tubular Front End, X2C arms, 13lb batt, few others.

10-01-2003, 06:04 PM	#19
Skyman I need 110mph Trap Speed! Join Date: Feb 1999 Location: So, CA Posts: 4,315	got your email, tried to reply, but your email address bounces back as no good. __________________ 2001 BMW M3 6spd 12.79@108 RIP ---- 1993 Notch w/ 98 4V 4.6 Fasttt... -1989 Saleen Mustang #406- 12.32@109 -1999 Black Cobra Coupe- JBA Shorties, Bassani Cat-X, Magnaflow 3", Pulleys, 85mm Pro-M, Ported Intake, Soild Rear w/ 4.30s, Tubular Front End, X2C arms, 13lb batt, few others.

10-02-2003, 06:06 PM	#20
Skyman I need 110mph Trap Speed! Join Date: Feb 1999 Location: So, CA Posts: 4,315	Good news everyone, got a call today, cars covered! __________________ 2001 BMW M3 6spd 12.79@108 RIP ---- 1993 Notch w/ 98 4V 4.6 Fasttt... -1989 Saleen Mustang #406- 12.32@109 -1999 Black Cobra Coupe- JBA Shorties, Bassani Cat-X, Magnaflow 3", Pulleys, 85mm Pro-M, Ported Intake, Soild Rear w/ 4.30s, Tubular Front End, X2C arms, 13lb batt, few others.

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