Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Police report, my insurance and the insurance he had (that dropped him, he gave policy # at the scene knowing he didn’t have insurance) all determined he was at fault. He admitted fault in his statement. Can I get some advice on navigating the actual insurance to make sure it’s determined totaled and they don’t give me back a car that’s been in a serious accident, it’s not really in question who was at fault in this situation.

There’s nothing wrong with a strip mall, it’s not some nefarious comment as someone mentioned, it’s a very nice “strip” mall with fancy restaurants. It’s just to point out he entered from a side parking lot and you have to yield to current traffic in the road when you come in (boulevard rule) especially when there is not light and you don’t have the right of way.

You need a lawyer

Why? They will take at least 1/3 of the recovery and won’t get you an additional 1/3 more than the insurer will pay voluntarily.

I didn't find that to be the case in my situation. 100% other drivers fault. And I had medical expenses for months

Let's be clear: OP is the victim of a crime. This was not just driving without documentation of insurance, which can be a minor infraction. This was driving without insurance at all, which is a crime in many states. Plus the other driver knowingly made a material false statement to the officer at the scene, which is a felony. Stop nitpicking OP, folks.

OP, you should go through your insurance. They'll have the option of suing the other driver ("subrogation"). Not worth the hassle of bringing a case when all you could get is the deductible and anything else your insurance doesn't cover. And realistically, based on your description, this other driver probably doesn't have the assets to compensate you (i.e., is "judgment proof").

If you want to hold the other driver accountable, you could contact the local prosecutor's office, ask to press charges against this repeat offender, and offer the evidence you have. That's up to you.

--A DC lawyer who isn't your lawyer

Anonymous wrote:what's your estimate for the repair?

No clue yet and no car rentals are available

what's your estimate for the repair?

Anonymous wrote:

Anonymous wrote:I called his previous policy and it was on record he admitted fault in the statement. He gave a policy knowing it was dropped so he wouldn’t be arrested on the scene for driving without insurance. He did not have a current policy. He was dropped from his due to previous record.

You don’t get arrested for driving without proof of insurance. It’s just a ticket.

Well they should have given him a blood alcohol screen given his history

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Op no need to call anyone a loser. You know very little about this person. I realize this is very frustrating and obviously the guy is not in the best place generally but just really not a good look or necessary.

I think you just have to exercise some patience. This is why you have uninsured motorist insurance. Your insurance will handle everything and they will either 1) completely fix the car and it will be a nonissue or 2) total the car and reimburse you. You may need to make sure you get a decent price given the car issues right now, and it would be better if it never happened but will still be mostly made whole

I know that his driving record was so bad that he was uninsurable. Yes that is a loser. Sorry if you disagree. I have kids and don’t want people like this on the road.

Everybody is insurable if you can pay the bill. How do you know he has a bad driving record.

Geico said they dropped him and was not insurable and it was not due to missed payments. I found this out because he gave his old policy and she checked if it was a payment issue that could possibly be worked with to show he had coverage and she said no he was dropped from Geico due to his record. No, some carriers will absolutely not carry a high risk person.

Point is that doesn’t make him uninsurable. It just means that a Geico wouldn’t insure him anymore.

Well he doesn’t have insurance and this is his record. At what point do people’s license get suspended? this is ridiculous someone can legally drive after so many issues
- 2 DUI over .15 (that’s 8+ drinks)
- ran a stop sign
- 2x evaded financial responsibility
- 2x possession of drugs
- possession of drug paraphernalia
- 3x speeding over limit
- 3x evaded arrest detention

Anonymous wrote:

Anonymous wrote:why were you sitting in the center turning lanes if "both directions were clear"? (I understand the bad guy from the strip mall is liable, just trying to figure out what you were doing)

It’s a very fast and busy 4 lane street and that’s just how it’s done. Thank God I was because had I plowed forward it would have been catastrophic. And please stop grilling me on it, it’s been determined on every single level including him admitting fault. He has no insurance and a record. This guy has a history of this.

Sounds like chain bridge road? Just curious...

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Op no need to call anyone a loser. You know very little about this person. I realize this is very frustrating and obviously the guy is not in the best place generally but just really not a good look or necessary.

I think you just have to exercise some patience. This is why you have uninsured motorist insurance. Your insurance will handle everything and they will either 1) completely fix the car and it will be a nonissue or 2) total the car and reimburse you. You may need to make sure you get a decent price given the car issues right now, and it would be better if it never happened but will still be mostly made whole

I know that his driving record was so bad that he was uninsurable. Yes that is a loser. Sorry if you disagree. I have kids and don’t want people like this on the road.

Everybody is insurable if you can pay the bill. How do you know he has a bad driving record.

Geico said they dropped him and was not insurable and it was not due to missed payments. I found this out because he gave his old policy and she checked if it was a payment issue that could possibly be worked with to show he had coverage and she said no he was dropped from Geico due to his record. No, some carriers will absolutely not carry a high risk person.

Point is that doesn’t make him uninsurable. It just means that a Geico wouldn’t insure him anymore.

Geico dropped him. He didn’t get another insurance. I don’t know if many people insure him given his record (see below)

There are high risk insurance pools. Everyone is insurable but not everyone can afford insurance - even if they aren’t high risk.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Op no need to call anyone a loser. You know very little about this person. I realize this is very frustrating and obviously the guy is not in the best place generally but just really not a good look or necessary.

I think you just have to exercise some patience. This is why you have uninsured motorist insurance. Your insurance will handle everything and they will either 1) completely fix the car and it will be a nonissue or 2) total the car and reimburse you. You may need to make sure you get a decent price given the car issues right now, and it would be better if it never happened but will still be mostly made whole

I know that his driving record was so bad that he was uninsurable. Yes that is a loser. Sorry if you disagree. I have kids and don’t want people like this on the road.

Everybody is insurable if you can pay the bill. How do you know he has a bad driving record.

Geico said they dropped him and was not insurable and it was not due to missed payments. I found this out because he gave his old policy and she checked if it was a payment issue that could possibly be worked with to show he had coverage and she said no he was dropped from Geico due to his record. No, some carriers will absolutely not carry a high risk person.

Point is that doesn’t make him uninsurable. It just means that a Geico wouldn’t insure him anymore.

Geico dropped him. He didn’t get another insurance. I don’t know if many people insure him given his record (see below)

Anonymous wrote:

Anonymous wrote:The police officer said because I was using it as a refuge in my state and not accelerating and I was fully in the line I was not at fault. He asked were you already stopped and checked the photos showing all tires were straight and in the line.

Ha ha. You just made that up. To a random group of strangers - when no one was doubting bad guy’s fault.
Just go get your estimates already.

He asked me if I was moving. I said no. He said then I wasn’t liable. The fact that you’re fighting so hard and offended I called a loser a loser says something about you.

I just looked up his record on whitepages.
- 2 DUI over .15 (that’s 8+ drinks)
- ran a stop sign
- 2x evaded financial responsibility
- 2x possession of drugs
- possession of drug paraphernalia
- 3x speeding over limit
- 3x evaded arrest detention

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Op no need to call anyone a loser. You know very little about this person. I realize this is very frustrating and obviously the guy is not in the best place generally but just really not a good look or necessary.

I think you just have to exercise some patience. This is why you have uninsured motorist insurance. Your insurance will handle everything and they will either 1) completely fix the car and it will be a nonissue or 2) total the car and reimburse you. You may need to make sure you get a decent price given the car issues right now, and it would be better if it never happened but will still be mostly made whole

I know that his driving record was so bad that he was uninsurable. Yes that is a loser. Sorry if you disagree. I have kids and don’t want people like this on the road.

Everybody is insurable if you can pay the bill. How do you know he has a bad driving record.

Geico said they dropped him and was not insurable and it was not due to missed payments. I found this out because he gave his old policy and she checked if it was a payment issue that could possibly be worked with to show he had coverage and she said no he was dropped from Geico due to his record. No, some carriers will absolutely not carry a high risk person.

Point is that doesn’t make him uninsurable. It just means that a Geico wouldn’t insure him anymore.

If you think it's fixable and don't want it 'totalled' go get your own estimates from some trusted repair shops. Take the insurance money and pay the shop. Don't go to the insurance recommended shop.

Someone hit our great running car, it was mostly cosmetic damage, but the expense shop exceeded the value and they took the car, sent us a check and we looked for months for a reasonable and reliable car - it still cost more than the payout.

Anonymous wrote:The police officer said because I was using it as a refuge in my state and not accelerating and I was fully in the line I was not at fault. He asked were you already stopped and checked the photos showing all tires were straight and in the line.

Ha ha. You just made that up. To a random group of strangers - when no one was doubting bad guy’s fault.
Just go get your estimates already.

Anonymous wrote:OP all of this doesn't really matter since he doesn't have insurance. Are you going to sue him? Sure he was at fault but that doesn't matter unless you are going to sue him directly.

There is no way for any of us to know what your insurance will do with your car. If they total it you will now have a new car payment which will suck because even getting a new car is going to cost you more than what your insurance will pay. Or they will fix your car and you will have to pay your deductible.

Either way you could sue the guy but will get 0 on a totaled car because your insurance has paid you for it or the cost of your deductible that you had to pay to get your car fixed. Courts don't allow you to double dip and have both your insurance and other driver pay you.

You’re wrong. Courts don’t allow parties to introduce evidence of insurance recovery. You can definitely double dip. The only questions are whether there is a realistic chance of collecting on a judgment and whether you would have to pay back the insider that paid.