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Auto Insurance Claims/who is going to pay

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Expert: Bennie719 - 7/24/2009


Question

van
I was in bumper to bumper traffic when I rolled back about 6 inches and barley bumped her now she had no insurance
I was wondering if she was to close or if she does not have insurance who would pay

Answer
Hi Lowell,
The fact that she is uninsured has no effect regarding  her legal right to collect property
damage.

Every province has a mandatory insurance law and certain minimum limits to be carried.
In Quebec the minimum limit is $50,000.  In all other provinces, the minimum limit
is $200,000.

When she files a claim against your company for her damages, they will learn that she
is uninsured and make a report to the provincial government.

She may collect a few dollars from your company in damages, but she is going to be
subject to a heavy fine and possible suspension of her drivers license  and suspension of
the plates on her car.

I hope that you find this information helpful.  Your feedback by rating my response will be
appreciated.

Bennie
San Francisco Bay Area

Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

Education/Credentials
not applicable

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