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Traffic Collision

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  • Traffic Collision

    Sang' nay chan' wa' em hoi? chuye^n. ngu*o*i` ta nha!
    La` va^y`, hui` May, my BIL cho ban. lai' his car bi. collision vo*i' cai' xe khac' . ke^t' wa? la` total lost cai' xe ne^n full coverage insurance pay ho*n $10K cho cai' xe cua? BIL . He ddi mua xe mo*i' rui` .
    Now, OX vo^ tinh` openBIL's mail (tai. BIL la^y' address nha` Ily), thi` mo*i' tha^y' la` BIL bi. tui. Framer Insurance (not his insurance company) ddoi` $8K tie^n` bo^i` thu*o*ng` for the collision in May . And since BIL fail to reponse to ther previous mail, ho. chuye^n? wa cho tui. collection rui` .
    1/ Di. la` sao ha? ? Ly' do gi` ma` Framer Insurance ddoi` tie^n` BIL ?
    OX Ily suspect la` since BIL's friend was the one who's driving the car and cause the collision, BIL's insurance won't pay for the other party, that's why now they ddoi` tie^n` BIL . But OX ho^ng co' hoi? tha(ng? ddu*o*c. tai. ca? PIL da^u' OX Ily ve^` cai' collision nay` . MIL noi' la` xe BIL bi. hu*, hang~ recall ne6n pay cho he tie^n` mua xe khac' .....
    2/ Now if giai? wuye^t' thi` giai? wuye^t' sao ? Ily hoi? cho bie^t' thui chu*' cung~ cha? noi' ai .
    Thanks,
    -Ily-

  • #2
    RE: Traffic Collision

    If your BIL AUTHORIZED his friend to drive his car and the car was damaged, the insurance company MUST PAY as if your BIL drove it .

    The insurance company can cancel the policy after that; but it must pay in full coverage. No if, no but, no talking!

    In case needed, threat the insurance company in writing that your BIL may sue them and will seek for all legal expenses as well as all grievance created by the collection agency. The letter must be sent via registered mail after keeping a copy of it.

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    • #3
      RE: Traffic Collision

      Jane, thanks!
      MY BIL was not in the car at that time with his friend but he authorized is friend to drive the car (I've heard so from other relatives.)
      So, he must send a certified mail to his insurane company, rite? Or should he talk to his insurance agent first and let the agent do the work ?
      -Ily-

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      • #4
        RE: Traffic Collision

        To get good result, I would handle it myself. I think you should contact the other side insurance and deal with them. The collection agent don't want to hear anything from you except want money. They want that commissions.

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        • #5
          RE: Traffic Collision

          Why do I need to deal with the other side insurance? to pay less or just to ask for more info? Thanks!
          -Ily-

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          • #6
            RE: Traffic Collision

            Why do I need to deal with the other side insurance?
            Because the collection only want money, they don't want to hear you are right or wrong. They want that commission.
            if you deal with your agent, they may not try their best. They pay you already, they won't care or have time to deal with your business.
            If you have a police report would be nice, the report would say that the insurer fault and end of story for you. and if the collection try to bother, you can sue them.

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            • #7
              RE: Traffic Collision

              Khi người bạn mượn xe của BIL và gây ra tai nạn thì bảo hiểm xe của anh ta (not BIL) sẽ cover cho cái phần liability at least 10K/30K. It sounds like cái tiền này bị đòi từ cái phần collision và có 2 trường hợp có thể tại sao anh ta bị đòi:

              1. insurance của người bạn không có mua cái phần collision cho nên Farmer insurance đền xe cho BIL trước then go after his friend to pay for the damage of BIL's car
              2. người bạn có thể có mua full coverage insurance nhưng lại không báo cho insurance của anh ta biết tại nạn ngày hôm đó cho nên his insurance does not kick in. Nếu có thì insurance của anh ta sẽ lo từ A-Z

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              • #8
                RE: Traffic Collision

                When my niece drive my car and the bus hit behinh, the other insurance my me for total loss. They did not go after my niece for anything. They even pay for her emergency visit at the hospital.

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                • #9
                  RE: Traffic Collision

                  The bus hit her from behind and their fault that iswhy they don't go after her. Their insurance will jump in and take careeverything.It wouldbe a different story if she hit the bus at her fault.

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                  • #10
                    RE: Traffic Collision

                    MR. Debug... cho ho?i nhe... khoa?ng a year ago.... i got into a minor accident in the parking lot.... i was backing out my car and the car on the other size also trying to back out her car. i was completetly out and she hit my car while attemp to back out..... anyway, they said it was 50/50 at fault and it cost me $2000 to fix my car... i have to pay $500 deductable..... then my insurance said that they will go for 100% b/c it wasn't my fault..eheh.. ma` it has been a year or more roi ma` kg nghe tha^'y insurance no'i gi`....if no' collect dduoc the other 50% thi` i should get my 500 ti` back, right?..... BM ho?i thu*? thui chư' lau roi cu~ng cha(?ng the`m call insurance dde^? ho?i..ehehe.... thanks u..

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                    • #11
                      RE: Traffic Collision

                      Sui, tui ghét nhất là bị đụng trong parking lot. Police không thể nào nói ai lỗi ai phải hết. Tui nghĩ tụi insurance hổng fight được đâu. Noi' tới đụng xe trong parking lot làm tui nhớ hồi mới sang. Tui đang de từ parking ở trong library ra mà gặp nó hilly lắm nên tui hổng thấy cái xe nó không đậu trong parking lot nên tui bump dô nó. Men, tụi nó xúm nhau thấy tui da vàng nên hù tui sẽ gọi police rồi lỗi tui and insurance tui lên. Tui thì mới có bằng lái nên hông muốn có ticket and insurance lên nên tui chịu trả tiền cho nó. Nó đi estimate rồi đưa cho tui cái bill, tui trả. Mấy tháng sau gặp con nhỏ này nữa, thấy xe nó vẫn trầy chỗ đó. Lấy tiền mình and hông sửa xe.[:@][:@]

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                      • #12
                        RE: Traffic Collision

                        << if no' collect dduoc the other 50% thi` i should get my 500 ti` back, right<<

                        Absolutely. Bây giờ Busy Mom khoan có gọi đòi tiền đã. Gọi insurance mình trước và request kêu nó send một cái letter indicating mình 100% at no fault, nhớ lấy cái tên và phone người mình nói chuyện. Khi nào nhận được cái letter đó về rồi thì yeah call them back: ai quan mai $$$ bác

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