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Had a very bad car accident summer of 2007. Have had shoulder surgery for a torn rotator cuff, have had surgery on each arm for nerve damage due to compression from impact onto steering wheel, still having neurological issues from 5 herniations in my cervical spine. C2, C3, C4, C5, C6 are all severely herniated, C4 and C5 are pinching into my spinal column and I am experiencing periodic numbness in my body, not loss of control of my body but just a pins and needles feeling in parts of my body from this herniation. I am going to have neck surgery because of this, surgery is set for march of this year…The driver that hit me ran a red light and sideswiped me. She is a highschool student that lives in her parents house…she is 18 and lives in her parents home because she was going to be a senior in highschool that fall….my lawyer called and told me he has recieved a call from the girls parents insurance company, whom she is insured with under her parents policy…they have a 50,000 policy…the insurance company have offered the full 50,000 and want her to settle. I asked the lawyer what my options were because I have such devistating injuries, can I go after their assets, or home owners insurance beings she was a driver under the parents and they dont have low insurance…they own a 430,000 dollar home, the father drives a 50,000 truck, the mother drives a new caddillac escalade, he owns a large trailer that hauls vehicles…the trailer is very valuable, over 20,000 dollar enclosed trailer. the lawyer says that I can get the 50,000 policy and cant go after homeowners but my question is, I am told that when a child of a parent is living in the home and driving, a parent should have an umbrella policy in case the child driving causes a devistating auto accident that results in severe injuries, so they cant lose their home….my lawyer seems really eager to settle this case and I haven’t even had my neck surgery yet…he says my own insurance PIP that I have will cover all surgeries that I need and give me all the medical care that I still need until I fully recover, but I am very angry and extremely upset because my injuries are worth way more than 50,000 dollars minus the lawyers 1/3 fee…I have had several surgeries and I am going to have a fused neck because of surgery that is needed, and my neurological health is still at risk…I want to know my options, I am afraid to go to another lawyer to ask advice but I need to know what I should do so I don’t screw myself out of compensation…I live in northern new jersey and I want to know if anyone knows what my options are….can I get the 50,000 off of their policy and then file a civil suit in court against them and go after all of their assets and when I win in court because she is found to be 100% negligent because she ran a redlight and hit my car at a high rate of speed 60 mph side impact…when I win would they be ordered to pay by a judge and all of their assets, including their home or whatever have a lein put against it??? I dont want to come across as a snake here but I am really in a bad position because I am permanately disabled from this accident and lost a career and a large part of my life as I knew it and I dont want to settle this out for peanuts….thanks..
just looked at all paperwork and girl that hit me was NOT 18…She was only 17 at the time of the accident. She was a 17 year old senior in highschool….I want to know if her being under 18 changes anything with the fact that she is a minor and still the responsibility of her parents….does this make my case better or does it stay the same..thanks
When about to apply for rental car insurance there are a number of questions in our minds such as whether one should apply for it or not. Moreover, we are not even sure that our current car insurance for automobiles covers the rented car or not. The main reason as to why one should get car insurance for rented car is that in case of damage to the car, the applicant will not be held responsible for it.
Before you apply, you need to check with the insurance policy for car and find out whether it provides coverage for rented car or not. This and also the type of insurance may be found out with the help of credit card company.
It is possible that the auto car insurance will cover a car rented for vacation purpose and if this is so then you should check for the type as well. For instance, if the insurance is ‘drop comprehensive auto insurance’ then this will only cover for damaged car and not theft. So it is advisable that you should check with your insurance company to find out the type and the offers instead of going for a car insurance offered by the rental company as it will be expensive.
The type offered will depend upon the bank providing the credit card, the card type and much more. In general, these insurance will cover only the car and not any personal belongings, liabilities.
These were few things to keep in mind before applying for Rental Car Insurance.
