Auto Insurance Claims/auto accidnet

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Expert: - 2/22/2009


Question
This is the scenario: Mother is driving vehicle and rolls the vehicle. Child is injured. The child is over 18 but is disabled and mother had guardianship. So can the mother file a complaint against her own insurance company on behalf of her child even though it was her fault? Very complicated. Thank you.

Answer
Hi Tammy,

I'm not sure what you mean by "file a complaint". Against who... for what?

If you meant to say file a claim, then that would depend on the state you live in and what coverage is available on the policy. The mother will have to contact her insurance company to see if there is any coverage that would pay for the injuries.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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