Wednesday, on my way home, I see a Cadillac ahead waiting at his stop
sign. There are no stop signs or signals for my lines of traffic.
Apparently, the driver thinks he can make it through the intersection.
I slam on the brakes, but I crush his car's passenger door in. My
vehicle is now inoperable.
Before we can exchange insurance and driver information a policeman
arrives and writes up his report. The other driver and I are
dismissed, but not before the officer makes to me two comments hinting
that other driver was clearly at fault. I've had no doubt it was the
other driver's fault.
I get home to call my insurance company, and it appears I'm in more of
jam. Looks like a former assistant of mine may have taken me for a
ride by pocketing my money allotted for insurance and giving me a
bogus insurance card. Nonetheless, without legit insurance (for who
knows how long), what should I do?
I called the Dallas (Texas) police department, but their report won't
be ready for five to seven days.
Please, please reply with whom I should call and what steps to follow.
Are their more forms or reports that I need to process, like I've read
about in some states?
Not concerned about going after my double-crossing assistant right
now. I just need to have their insurance fix my truck and get back on
track w/ my insurance.
Thanks for your help.
JC |
Request for Question Clarification by
tutuzdad-ga
on
09 Jun 2006 19:08 PDT
Bign in law enforcement myself I recommend that you immediately obtain
insurance coverage and do so without delay. This will not help you in
the event the other parties' insurance turns out to be invalid or
insufficient to cover your damages, but it will not bode well for you
in court if you allow time to go by AFTER the discovery that your
insurance had lapsed, and you still make no effoor to obtain a policy.
Many courts are understanding in situations where oversight occurs,
especially in situations where the accident is not your fault,
provided you get covered immiediatley after making the discovery. If
you show up in court and lay the blame on your assistant, but YOU
still have not corrected the error that you want the court to believe
was out of your control, what will you claim then? See what I mean?
When you go to court and IF the judge asks if you have insurance you
may be able to simply say "yes" without elaboration, and the issue may
go no further. If the judge asks you if you were insured at the tiume
of the accident, you will be required to say "no", but then, in your
defense, you will have an opportunity to tell him why - because he or
she will almost certainly ask.
The best policy is a valid policy - second only to honesty of course,
which is afterall, the BEST best policy.
Does this answer your question?
Regards;
tutuzdad-ga
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