Me and my wife live in Ohio and last week she was rearended by a school bus.  Now my wife has had constant back pain, and our car was totaled, the school's insurance company is taking their sweet time deciding what to do with our car and has granted us a rental car through Enterprise, but we are expected to pay the 14.99 a day for the insurance on the rental that the insurance company says they will not pay or reimburse.  We are basically wonder who we can go after to get back the money that this is costing us out opf our own pocket for an accident that wasn't even our fault.  We were told by a friend that we may be screwed because he thinks that there is a Ohio law that protects Cities and Schools from any liability from situations like this.
127124
the state itself may be technically immune but i'm 99.9% sure that it would be unconstituional for ohio to have any such law granting immunity to cities and schools. \n\nbesides, the school wouldn't have an insurance policy were they to have such immunity from suit.\n\na lawyer in ohio who specializes in civil rights could answer this question right off the bat. also, most any lawyer that deals with personal injury there could also answer it because i'm sure they deal with government injury torts all the time.
468328
They probably don't want to go through the cost of taking your car back, so continue to insist on working out a payment plan with them.  Ask for the supervisor, and whatever you are able to agree on, get it in writing.  If you can't get anywhere with them, however, I would consider getting an attorney or nonprofit debt counselor involved who can negotiate for you.  Daily phone calls are harrassing and can be illegal.
447957
Hey Friend,\nI think you need a new lawyer or you need to talk plainly to the one you have.. Ask him these questions..I'm not a lawyer, but , an insurance  company insures a person for a certain amount..  ie.. my policy is a 1/3/1 policy 100,000 in liability 300,000 in bodily injury 100,000 in property damage. So as I understand it If I hit you and it's my fault then you could get a maximum of 300,000 in bodily injury.  My agent tells me that this is what I should have and that it is more than the state mandated minimum.  So it sounds like your injuries and damages exceed whatever your or the other persons insurance will cover. If it we're the other persons fault you could sue them for the amount over what their insurance will cover.  In your circumstance there is no one to sue. So look at your policy and whatever your limits of coverage are is what you can get.  NOW if the lawyer is on the pay of your insurance company you REALLY need a second opinion from someone not affiliated with your insurance company.  Good luck.\nKeith
300812
You have stumbled upon one of the great questions that has bothered insurance adjuster throughout the country at one time or another.\n\nI am an insurance adjuster and owned a body shop and tow company as well.\n\nMost of the time, a larger wrecker company will be on the tow list of one or more are police or sheriffs departments or highway patrols.\n\nTo get on most of this rotation lists, the company will have to provide proof of insurance or at least insurance information to the police department.\n\nCall the police or sheriffs department in the town or county where the company is located and speak to the officer in charge of tow lists.\n\nIf nothing else, this officer has a GREAT deal of influence even on tow companies that are not on rotation and can call the company and get this information.\n\nA lot of these slimy tow companies will post signs about not responsible for damaged vehicles or stolen items. These signs or statements are worthless as your vehicle is in the "Care, Custody and Control" of these companies. \n\nYou simply can not post a sign to waive bailment.
273100
My car was towed away while we were getting married.  One block from the courthouse, the taxi we were taking to get the car back was sideswiped so we waited an hour and did all the police reports before we could continue on our way.  STILL got charged for the cab fair.  Wrote a hot check to get the car back cuz we were young and poor.  Went to our place of business to pick up our paychecks to cover the hot checks.  Lunch rush - got asked to clock in and work so we did.  On a little windy country road, our car broke down and we sat on the side of the road for two hours before my new spouse rigged the car to get us home where we found an eviction notice on our door because they found out we had a dog and had not paid the pet deposit.  Worst day of my life!!
179488
ethically, if your fathers insurance goes up you should pay it. it will probably get reviewed with in six months. however the good news is this is just lifes lessons learned.  you got a ticket for improper passing, no big deal. she got a ticket because she was half to blame at least. lets assume there is a big doctor bill.  you are probably insured on your fathers policy had you been at fault. your friend has the problem and he is totally at fault. he let you use the car.  now if there is a big clain he is not insured because he didn't list you as a separate driver and he might have to pay out of his pocket. this is his problem not yours. i don't see this as an ethical problem for you because you are insured.
57812
Absolutely.  They do this for your own protection.\nIf he were living with you and you were even somewhat financially responsible for him and he got into an accident as an uninsured driver, the lawyers would sue him first and when he couldn't pay, they'd come after YOU personally for the costs.  Actually they'd sue your homeowner's insurance first and when that ran out they'd sue you personally.\nSo, do you want to take that risk of losing your house and savings because of that?
671431
check with a insurance company with experience in commercial insurance. You need the wrecker insured, insurance for the car you are towing and also insurance in case something flys off that wrecked car and hits a passing car. Also insurance for the driver and the passengers if you pick up a wrecked car and transport the driver somewhere. \nAlso where ever you park the wrecker may become a commerical ( sales area) so that may be more than just plan house insurance. If parked at home \nIf you store the wrecked cars to work on them that is a whole other can of worms,  you need insurance for hazard waste in case the radiator or gas tank leaks into the ground surface
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!
165486
If you are in the United State, call your EMS Service (probably your Fire Department) and ask them about it.  I know when my daughter was taken to the hospital, we got a bill from them, but when I called and spoke to them, they explained they simply wanted to be reimbursed by the insurance companies, not by the taxpayers who were already paying them in taxes.  Any amount not paid by the insurance would be dismissed (and it was).  City agencies are trying to find any way to recoup operating costs.
558040
You should hire another lawyer.  \n\nYou can sue the party that does not have insurance, but if they don't have the money for insurance, they probably don't have the money to pay you any judgment that you'd win.\n\nI'm presuming you did not have uninsured/underinsured motorist coverage.  Did your wife lose the job as a result of her hospital time?  She may qualify for disability benefits from the state and from Social Security.\n\nGood luck.
643177
I would think if the ticket was issued to him, it would be his problem.  But if your car was in an accident, then it would be your insurance that would have to pay. That's why you need to be so careful who you let drive your car.
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.
118998
Hopefully, this is a better answer. Always find the deep pockets. You can sue the motorist for not having enough coverage. (for the balance) Chances are, you will pay hell trying to collect. You can sue the insurance company for not mandating proper coverage. If the driver was drinking, you can sue the institution(s) for serving him/her. If the vehicle of the other motorist was faulty, you can sue the last person that did maintenance, or the dealer and the manufacturer (if the car was still under warranty) Maybe the motorist did not have proper coverage if he or she was still paying on the vehicle, then, you have the bank for not following up, the insurance company, and the motorist.\nRemember, find the big pockets.
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.
68801
Fortunately, tax liability doesn't have anything to do with legal culpability. If your son is over 18 and not mentally or physically handicapped (prior to the accident) to the point that he is incapable of providing for himself, you should not bear any financial responsibility for his actions. That said, anyone can sue anyone for anything. If an insurance agency or private party tries to get you to pay or bills you at all, get a lawyer... fast. And don't pay anything at ALL with your check or in person. That can be construed (by greedy lawyers) as you taking financial responsibility for the accident.
544415
That happens ALOT where I live.  A couple of my friends have been in accidents that the illegal alien has ran away.  The ones that get caught go to court and are charged a fine that they can make payments to, but if a American gets caught with out Insurance and goes to court they have to pay for fines up front. We not do have the option to make payments. On this one road where I live, they wreck a car and just leave it there and run away.