Expert: Bennie719 - 1/23/2009

Question
i was in a car accident today at about 3:00 pm.  i was driving down the hwy and there was a woman driving a newer model car in front of me, i glanced over to at the intersecting road to make sure that no one was runnig the stopsign, and when i looked foward again she had slammed on her breaks and was almost stopped! i wasnt going very fast, mabey 45 mph, and there were 3 carlingths between us before she had slowed.  i hit my brakes but couldnt stop in time. i rear ended her and totaled my car and caused major damage to the rear end of her car. when i asked her if they were alright she told me they were fine. they were taken to the hospital via ambulance.  i had hit my head and needed stitches and had my mom take me to the er.
i had an insurance card that said i was covered untill march but i found out my parents took me off their polocy and i was no longer covered.  i am not sure what i should do? if i get insured right away will i be covered?
or am i going to have to pay for everything from my empty pockets? please let me know as soon as possible!!!
thanks for your help,
Pat

Answer
**************************** FOLLOW UP *******************************
Hi Partick,
No, you can't by insurance after the accident happens that will cover it.
You and the registered owners if the car that you were driving will be responsible for paying to repair the car that the woman was driving, paying to pay for her injuries  (she was taken away by ambulance, so there will be injuries) and paying to repait the car that you were driving.  I just can't understand why your parents would remove you from the policy yet still allow you to drive the vehicle and never tell you of their actions.

Good Luck,
Bennie
San Francisco Bay Area




Had to make an urgent trip out of twon.  I will answer your question by Sunday.

Bennie