Car accident - insurance help needed

[glen]

Kid was hit from behind and it’s a just property damage on his old Toyota. Kid that hit him gave him insurance info etc. no place on card does it say “excluded driver”. Farmers adjuster told my kid that the driver is an “excluded driver”.
?s- I’m calling Farmers and telling them I need the documentation to show excluded driver- Who and how do we make a claim? Texas Dept of Insurance- AGs Office? I know there is some way to get a judgement against the other party where they can not get insurance, driver license renewed, or registration but not sure who or how?

thanks for any info- kid is 23 and I know it’s not an expensive car but it is his and he paid for it/. Trying to help best I can.

[RWB]

That sux....assume the car that was hit from behind only has liability? Or he would just turn it over to his insurance and let them fight farmers?

[Walker]

The kid that was rear-ended should turn it over to his insurance. Even if l8ability only they should help him collect from the other company.

[Twist]

Have you son check his policy, he might well have coverage for Uninsured Motorist and that could be a route to take. I'd start there to see what he has and then have him contact his insurance company to see what the options are.

[ThisLadyHunts]

It is my understanding that an excluded driver is someone who lives in the household of the insured but, for whatever reason, is excluded from coverage under the insured driver’s policy.

As you know, most (auto) insurance extends coverage to others who may be driving your car. If there is a household member for whom your insurance agency prefers to deny coverage, they usually request an exclusion document for that individual before granting insurance to the vehicle’s owner.

As it was explained to me when I tried to renew the insurance policy for my elderly parents and my mother let her driver’s license lapse as she no longer felt comfortable driving, the exclusion document is, for the most part, an understanding between both parties that the insurance company will not cover anything—accident, comprehensive, or liability—if the driver was the excluded party. Basically, it’s a CYA doc for the insurance company.

My knowledge on this issue is cursory at best and, giving consideration to the extent of the damage, I encourage you to pursue this through your own insurance company. However, I suspect your son may be no better off than if he had been hit by an uninsured driver.

Good luck to you and your boy, sir. This whole thing just s*cks for him.

[osochuck]

I am not sure on this but will ask some folks in the business. But i think (not sure) the subject who is operating the vehicle may have some form of insurance aka Financial Responsibility. This is probably a gonna be civil court case. I believe you are correct it would be Texas Department of Insurance to report against Farmers.

Was LEO there and a crash report filed?

Was he a licensed driver, or ID card only?

Will try to get an answer on Driver Financial Responsibility.

[glen]

Oso- minor collision. Good drivers license- Good
insurance card with parents name listed- no police report -

[dosrobles]

If you don’t have collision insurance that’s a problem for you. If you do, that’s what you’re paying for. File with your people and let them have the headache of pursuing it.

[jomw10]

The other drive doesn't have insurance. He is an "excluded" driver. The other insurance policy won't cover it.
You can file with your insurance and they will try to recover from the owner of the other car, or you can try suing the other driver.

[JGreen31]

Kid was hit from behind and it’s a just property damage on his old Toyota. Kid that hit him gave him insurance info etc. no place on card does it say “excluded driver”. Farmers adjuster told my kid that the driver is an “excluded driver”.
?s- I’m calling Farmers and telling them I need the documentation to show excluded driver- Who and how do we make a claim? Texas Dept of Insurance- AGs Office? I know there is some way to get a judgement against the other party where they can not get insurance, driver license renewed, or registration but not sure who or how?

thanks for any info- kid is 23 and I know it’s not an expensive car but it is his and he paid for it/. Trying to help best I can.

Same thing happened to me. At the scene, cops called in the license plate and return with the vehicle had insurance. Filed the claim and his insurance notified me that he was an excluded driver (they have to sign a form to exclude him) so he knew he was not insured.
My insurance agent basically said there is nothing we can do, I would have to pay the $500 uninsured motorist deductible then for the next 5 years, my premiums would increase.

I had all the guys information and called him up and then drove to his house and had a face to face conversation.... He paid the $3500 out of his pocket to the body shop and fixed my truck.

[justletmein]

Does your kiddo have "Uninsured Motorist" coverage? It's dirt cheap so always recommend it. I don't know if they cover it, but I bet they would.
edit: I'd try to report him to the law for driving without insurance, for spite. This type of thing ticks me off and he deserves a ticket for it. Hopefully not getting a police report won't hurt you.

[CTR0022]

Excluded drivers are very common. It started with a lot of parents not putting their teenage kids on their policy bc obviously we know how expensive teenage drivers are. Then their kid would get in an accident. Insurance company has to pay for losses they are not receiving premium for. The insurance carriers put an exclusion on the policy called excluded drivers. The exclusion pretty much says anyone living within the household must be a named insured, if not there is no coverage.

I bet your own policy says the same thing.

[Stuck]

Does your son have full coverage or just liability? Full coverage, file on your insurance and let them deal with it.

Kid that hit him, the insurance for the car that hit him covers the accident. If he is under the required age or is excluded from the policy, his own insurance covers him. If he still not insured, you will have to go after him for the deductible in a civil case.

If the kid is not insured, unfortunately, no one cares.

[Huntindad]

Dang boy, that sucks. Is Max OK? Back in the day I put Spencer as excluded(insurance made me). Think your only (civil) recourse is to confront the parents and ask them to to make it right. if they don't... Well, you're an an creative individual

[Shane]

If the kid is an excluded driver, he has no coverage on the insurance policy. That doesn't mean that he and maybe his parents isn't/aren't liable for the damage he caused. It just means that he doesn't have insurance that will pay for it. If he was driving a car without insurance, that can only mean that he was driving the car without the permission of his parents or that his parents knew and gave him permission to drive even though they knew that he was excluded from their insurance. They excluded him from coverage to prevent their premiums from being sky high - for good reason, apparently. He probably has several tickets and/or accidents on his record already. If his parents gave him permission to drive without insurance, I'm sure a good lawyer could make a convincing argument that the parents are liable for the damages.