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Auto Insurance Claims/Rear ended
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Question
We were stopped on the freeway and were rear ended by a group of teenagers. They asked us if they could say that one of their passenges was in our car because they had to many, they also changed drivers. This was all told to the CHP. My question is that we were in the process of changing insurance companies. Since I do not have insurance am I at fault or are the for running into me.
Lyndsay,
These are separate issues. The fact you were without insurance does not excuse the teens for liability for damages to you, unless your state has some penalty for that. Also check to see if you have a "grace period" on your insurance policy, usually 15 or 30 days of coverage after the expiration date.
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Answers by Expert:
Ron Cercone
Expertise
How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.
Experience
I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.
Organizations
CAPIA (California Association of Public Adjusters).
Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .
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