HELP-Car That Rear Ended Us DIDN'T Have Insurance

J

jayden0405

New Member
We were rear ended in an accident on Saturday, myself & 2 kids were sent to the hospital. My husband was OK, my kids were seen at the hospital and deemed OK. I was injured, back was thrown out and am home on bedrest.

I am out of work for a month and have to have someone at home with me at all times, I have a 18mth old to take care of.

We have found out that the people who hit us DO NOT have insurance and my PIP is ONLY $2500.

What do I do? They were YOUNG, I think like 20-22.
 
cattitude

cattitude

My Sweetest Boy
jayden0405 said:
We were rear ended in an accident on Saturday, myself & 2 kids were sent to the hospital. My husband was OK, my kids were seen at the hospital and deemed OK. I was injured, back was thrown out and am home on bedrest.

I am out of work for a month and have to have someone at home with me at all times, I have a 18mth old to take care of.

We have found out that the people who hit us DO NOT have insurance and my PIP is ONLY $2500.

What do I do? They were YOUNG, I think like 20-22.
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Who was the car titled to? Did it have valid tags? (Which it couldn't if there was no insurance on the car.) What state? Was the driver just not insured, because insurance follows the vehicle.
 
itsbob

itsbob

I bowl overhand
jayden0405 said:
We were rear ended in an accident on Saturday, myself & 2 kids were sent to the hospital. My husband was OK, my kids were seen at the hospital and deemed OK. I was injured, back was thrown out and am home on bedrest.

I am out of work for a month and have to have someone at home with me at all times, I have a 18mth old to take care of.

We have found out that the people who hit us DO NOT have insurance and my PIP is ONLY $2500.

What do I do? They were YOUNG, I think like 20-22.
Click to expand...
Sorry to hear about your back, but glad everyone else is ok.

I'd find out how old the driver was.. no insurance someone has to have financial responsibility, and if he's under 18 (21 MAYBE) then it's the parents.

I'd talk to a lawyer.
 
cattitude

cattitude

My Sweetest Boy
Have you contacted your insurance company? You should have uninsured motorist coverage.

You really should contact a lawyer just to be sure you don't do something that will void your rights.
 
J

jayden0405

New Member
cattitude said:
Who was the car titled to? Did it have valid tags? (Which it couldn't if there was no insurance on the car.) What state? Was the driver just not insured, because insurance follows the vehicle.
Click to expand...

The car was titled to a young lady (maybe 20-22) who was in the passenger seat, the driver was a young man age 24. They were tagged in MD.

I DO HAVE UNINSURED Motorist Insurance on my car, BUT that only covers PROPERTY damage to my vehicle, not medical, loss wages, etc.
 
cattitude

cattitude

My Sweetest Boy
jayden0405 said:
The car was titled to a young lady (maybe 20-22) who was in the passenger seat, the driver was a young man age 24. They were tagged in MD.

I DO HAVE UNINSURED Motorist Insurance on my car, BUT that only covers PROPERTY damage to my vehicle, not medical, loss wages, etc.
Click to expand...

Who didn't have insurance?
 
itsbob

itsbob

I bowl overhand
Your personal injury attorney in Maryland makes a claim against both the at-fault driver and your own insurance company.

Taken from Kwillia link.. If you have uninsured coverage you do the above..
 
itsbob

itsbob

I bowl overhand
What Compensation Can I Get for My Uninsured Motorist Claim?

The one question most frequently asked is will my uninsured motorist auto insurance policy cover my pain and suffering as well as my lost wages and medical expenses. The answer is yes. The purpose of the coverage is to put the victim in the same position as if the uninsured motorist who negligently caused the auto accident had car insurance sufficient to pay the damages incurred by the victim, including pain and suffering damages that the victim incurred as a result of their personal injuries from the accident.
 
Chasey_Lane

Chasey_Lane

Salt Life
jayden0405 said:
I DO HAVE UNINSURED Motorist Insurance on my car, BUT that only covers PROPERTY damage to my vehicle, not medical, loss wages, etc.
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If you were injured, I think your health care coverage will pick it up, and if you have additional coverage like Aflac or similar, look into that.
 
cattitude

cattitude

My Sweetest Boy
jayden0405 said:
The car that HIT us did NOT have insurance, I DO have insurance.
Click to expand...

So the owner of the car is uninsured? That means the tags are dead...did the police notice this...obviously they would have. Then you can also go after the driver. Are the driver and owner of the car related?
 
bcp

bcp

In My Opinion
I dont want to sound ignorant here but,,,,
stop posting about it here and call a lawyer that handles cases like this.

dont ever speak of it again on a public forum. Call people you know by phone if you must discuss.

And, I do really hope that things work out ok for you. Thank God the kids were not hurt.
 
J

jayden0405

New Member
cattitude said:
So the owner of the car is uninsured? That means the tags are dead...did the police notice this...obviously they would have. Then you can also go after the driver. Are the driver and owner of the car related?
Click to expand...

The police came and wrote a report, and lsited their information on the form that they gave to my husband.

I don't the drive & owner are related, nto sure.
 
kwillia

kwillia

n/a
bcp said:
I dont want to sound ignorant here but,,,,
stop posting about it here and call a lawyer that handles cases like this.

dont ever speak of it again on a public forum. Call people you know by phone if you must discuss.

And, I do really hope that things work out ok for you. Thank God the kids were not hurt.
Click to expand...
The problem I have with suggesting she "right away" contact a lawyer is that she will most likely lose a large precentage of what should be justly hers to "lawyers fees".
 
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