it's a 2005 cayenne.  i was only payig 5,800 before now they're raising it to 15,800.  thing is about 6 months ago i had a car accident.  it was their fault because they were too many in the car but two of them were thrown from the car.  one died and the other is handicap now.  course they both sued me and the insurance paid them 2 and 4 million.  they blamed me because i was a little over the limit even though those kids weren't wearing their seat belts.  it's such a stupid law that i'm automatically at fault can the insurance company screw me over like this?
133021
yes they can screw you over, but yes, its a little too much.
123761
It depends on your state law or the law of the state where the accident happened, and if it was a motor vehicle accident.\nIf the latter, and you are in a "no-fault" state, you cannot sue unless your damages are over a certain amount.\n\nIf it was not a mv accident, you can sue, but in many states, your insurance company will be subrogated, meaning they get back what they paid out and you keep the rest. This law and the customs vary so much from state to state, you really need to talk to a local lawyer about it.
458811
The owner of the car is responsible unless he gave you permission to drive the car. The witness who changed his story can repudiate it and tell the truth in court as a witness for you and tell why he had to change his story because of the officer.\n You may be able to pursue legal action against the actual driver and the girl who actually caused the accident in the first place.\n Consult a lawyer,if you can't afford one,the court has to get you one and time to prepare.\n I also agree with other posts,you were wrong to change seats and you need to get new friends.
211189
Since it has been 8months I doubt you will get anywhere with it. Not only that you have to prove that they knew about the damage....the court doest side on just assumptions. If I would you next time you buy a used car take it some place and get it looked over if the dealer ship wont allow it have the look it over and sign off that there is no damage. If you dont like this answer I would seek legal help!
549111
It depends even when the other person admitted they were at fault their incurance will try and prove your injuries were not from the accident. They don't want to pay you, thats how they make money. Time for a settlement can be a few months or a few years. Lawyers are helpful in getting you what you need but the cost can be astronomical. Consult with a lawyer and your finances BEFORE making a decision.
335134
According to what you stated, the accident is your fault so if you go to a judge and say it wasn't you will look irresponsible or immature. It isn't just Florida law, if you lose control of a vehicle, it is your fault. A driver is expected to maintain control of the vehicle, no excuses.
109844
It depends. If you are in a state with no fault insurance then you are probably screwed.  If not, you have to get in touch with them to get to their insurance company to get your car repaired.
251315
You shouldn't expect any compensation because it was an accident.  No one's fault, but yours, for not being careful.  This accident you caused will make you much more careful in the future - think of it as one of life's lessons and move on.
426574
If you didn't report the accident to the police when it happened then you'll have to sue the vehicles owner in court. Most police departments will not do a report after the fact or after you've agreed to settle it on your own. Save all the documentation you have. You can fight it on your own, though a lawyer or contact your own insurance company. Your insurance company will use their own resources to get the other party to pay so they don't have to. The downside to that is they will consider it to be a claim and probably adjust your rates. For future reference, if you are positive you were not at fault it is always better to get a police report done. You may be able to settle things between yourselves in which case the police report won't go anywhere but at least you'll have it if things go bad, as it appears they have for you. And by the way,  the owner of the car is responsible for the damage not the driver.  Good luck.
120709
You should talk to a lawyer. I would think part of his injuries are his fault if he wasn't wearing a seatbelt, unless seatbelt usage is not an option in your state.
580688
If you were not in the car when it hit the pole, then it was probably his fault and he is blaming you for it. Regardless, I would let your insurance company deal with it, and if thats not working get a lawyer, but its probably not worth the cost of a lawyer.
405814
I've heard of cases where someone was injured at a business they owned and ended up having to hire a lawyer to sue his own business so the insurance company would pay up.  Weird.
366505
Rather than asking people on here, many of whom are likely to make up answers based on what they've read/heard/seen, you're probably best off seeking legal advice.  You will have to prove that your employer was neglegent though, and that the accident was their fault.
7690
The burden of proof is on her and her insurance company to prove you hit her vehicle. My advice close-up/detailed pictures of your vehicle immediately. Contact your agent immediately and tell him what happened, insist that you did not hit the vehicle, include the detail that the woman had already moved her vehicle, so niether of you can prove how close you actually were. This is a case where your insurance company will fight for you, they don't want to pay a false claim. Good luck.
657262
Hmmm..might want to talk to a lawyer.  All insurance companies will do whatever they can do to pass the buck onto someone else so they can save money.\n\nRealistically though, that's why people have homeowner's insurance - to cover accidents that happen at their home.  Whether or not your friend wants to make an insurance claim or pay you out of their own pocket is their choice, but either way, your FRIEND should be covering your medical costs as well as any lost work income you had.\n\nIn fact, they should be grateful that you are not suing for more, because you could legally get pain and suffering too!\n\nNot all insurance companies drop on one claim.  I had State Farm and had two $5K claims in the first 9 months I had the house and they didn't drop me or raise my rates (to my surprise).\n\nIn any case, your insurance company does have the right to go after your friend (if the friend doesn't turn over the insurance info) and you probably ARE legally compelled to cooperate.  Check your own insurance contract.  Otherwise your ins co might be able to refuse the claim.\n\nPlus you are still out a week or more's income.\n\nJeez..you sound like a great and caring friend, but your friend is more concerned with his own pocket than your welfare.   I'd ditch the friend and hire a lawyer to sue them!
166647
It depends on whose fault it was. Was it yours? If it was she might not be getting what she thinks she deserves from your insurance co.
248770
usually 3 kinds of auto insurance:\n1.  Liability - this will pay someone else if you damage their car in an accident that was your fault or if someone gets hurt in an accident that was your fault.  But there are limits.  Insurance only goes up to so much.  If a person has high medical bills, insurance will run out. \n2. Comprehensive & Collision - this will pay if the accident was your fault or if there was theft or fire.  There is a deductible, which means cash you have to pay out of pocket.  Like you might have a $500 deductible so that they only pay for damage that was over $500 and you have to cover the first $500.\n3.  Uninsured motorist - this will cover you if the accident was the other person's fault but they don't have insurance (which is illegal but it happens).  So their insurance company can't pay for your damage.