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TXM



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How did it turn out?

I'm asking because "a friend of mine" just found out this morning he's being sued.

thunderbolt
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First step is to determine if your friend might have insurance covering the claim - auto insurance for traffic stuff (obviously) and homeowners' policies are the most likely sources of coverage. 

The critical question is 'what is this hypothetical defendant being sued for?'.

TXM



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thunderbolt wrote:
First step is to determine if your friend might have insurance covering the claim - auto insurance for traffic stuff (obviously) and homeowners' policies are the most likely sources of coverage. 

The critical question is 'what is this hypothetical defendant being sued for?'.


Traffic accident. Have insurance and they are aware of what's happeninig.

Rear-ended a guy 2 years ago. No injuries at the time.

TXM



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Basically being sued by the guy and his family for "loss of affection/yadda yadda yadda."

thunderbolt
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Your hypothetical friend should just turn it over to the carrier and demand defense and indemnity.  Most likely outcome is they cut the malingering deadbeat a check and it goes away; and your friend's future premiums may take a short term hit.

thunderbolt
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Dubuque Wahlert by any chance?

beejmi
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Yes. And it's a good story too.

I fell asleep at the wheel and hit a truck on I-95 in 1990. I don't remember a thing about it. I hit him and then apparently went straight up in the air as my head tried to go through the roof of the car. I always assumed it was that "bump on the head" being why I didn't remember anything.

Years later the guy sued the insurance company. I got to meet the guy and see that he wasn't hurt, etc so that was cool.

At the deposition they asked me about the events of that night with my answers all being "I don't know" , "I don't recall" and "Oh I'm not sure"

Then they hypnotized me (!!!!!!) to get what happened out of me. I don't remember being under hypnosis nor do I know what I said.

TXM



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thunderbolt wrote:
Your hypothetical friend should just turn it over to the carrier and demand defense and indemnity.  Most likely outcome is they cut the malingering deadbeat a check and it goes away; and your friend's future premiums may take a short term hit.


This is what is going to happen.

Here's the kicker though. The guy who got hit, he's also suing his own insurance company, who are listed as a co-defendant. Is this standard?

TXM



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thunderbolt wrote:
Dubuque Wahlert by any chance?


Are you asking if I went to Wahlert? Nah, I migrated here from Wisconsin.

TXM



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beejmi wrote:
Yes. And it's a good story too.

I fell asleep at the wheel and hit a truck on I-95 in 1990. I don't remember a thing about it. I hit him and then apparently went straight up in the air as my head tried to go through the roof of the car. I always assumed it was that "bump on the head" being why I didn't remember anything.

Years later the guy sued the insurance company. I got to meet the guy and see that he wasn't hurt, etc so that was cool.

At the deposition they asked me about the events of that night with my answers all being "I don't know" , "I don't recall" and "Oh I'm not sure"

Then they hypnotized me (!!!!!!) to get what happened out of me. I don't remember being under hypnosis nor do I know what I said.


So you weren't sued personally? The guy just went after your carrier?

thunderbolt
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TXM wrote: thunderbolt wrote:
Dubuque Wahlert by any chance?


Are you asking if I went to Wahlert? Nah, I migrated here from Wisconsin.

We played Wahlert in all sports when I was in high school in Burlington way back when.  My reason for asking...

beejmi
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Yes. I personally was not held liable for whatever (if any) damages he was awarded. Although I got the "you're getting sued" letter in the mail, etc

cheapseats



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TXM wrote: thunderbolt wrote:
First step is to determine if your friend might have insurance covering the claim - auto insurance for traffic stuff (obviously) and homeowners' policies are the most likely sources of coverage. 

The critical question is 'what is this hypothetical defendant being sued for?'.


Traffic accident. Have insurance and they are aware of what's happeninig.

Rear-ended a guy 2 years ago. No injuries at the time.

Exact same scenario I was in a few years ago. The bitch waited almost 2 years to the day of the accident (wstatue of limitations) to sue me.  

TXM



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cheapseats wrote:
TXM wrote: thunderbolt wrote:
First step is to determine if your friend might have insurance covering the claim - auto insurance for traffic stuff (obviously) and homeowners' policies are the most likely sources of coverage. 

The critical question is 'what is this hypothetical defendant being sued for?'.


Traffic accident. Have insurance and they are aware of what's happeninig.

Rear-ended a guy 2 years ago. No injuries at the time.

Exact same scenario I was in a few years ago. The bitch waited almost 2 years to the day of the accident (wstatue of limitations) to sue me.  


Mind me asking how things ended up?

cheapseats



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TXM wrote:
cheapseats wrote:
TXM wrote: thunderbolt wrote:
First step is to determine if your friend might have insurance covering the claim - auto insurance for traffic stuff (obviously) and homeowners' policies are the most likely sources of coverage. 

The critical question is 'what is this hypothetical defendant being sued for?'.


Traffic accident. Have insurance and they are aware of what's happeninig.

Rear-ended a guy 2 years ago. No injuries at the time.

Exact same scenario I was in a few years ago. The bitch waited almost 2 years to the day of the accident (wstatue of limitations) to sue me.  


Mind me asking how things ended up?
She settled for something like $5K IIRC.

Keep in mind this was a 3 vehicle accident. She was the first vehicle(Ford F250 Crew Cab 4x4 Diesel) with another vehicle (Honda Accord) in between us. I was in my Ford Escape. I had no front end damage. There was a small scrap on the Honda's rear bumper but the front end was complete toast. The Ford's rear bumper was bent in. Now tell me how I hit the Honda so hard to turn it in to a missile yet I didn't have a scratch to my car? I told my insurance and the other carriers that the Honda hit the F250 first THEN I tapped the Honda. Even the adjustor for the Honda's insurance believed his guy caused the wreck.

She (F250 driver)felt fine with no complaints of pain. She got cocky and said "let's all get our stories straight before the cops get here" . I then knew something was not on the level. When the cops showed up and my story didn't jibe with the others, she then started complaining about her neck hurting. How convenient.

Last edited on Tue Apr 16th, 2013 08:20 pm by cheapseats

Portalesman
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Insurance is a good thing.

Principal_Raditch



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I've been threatened a few times in some hospital suits, but it's always gone nowhere. I carry a personal $1million dollar policy, and the hospital also covers things on their end. Basically most of these suits go nowhere at work since unless they can prove overt negligence most of the shit that goes wrong is covered in the consent for surgery form you sign.

victhestick



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I've never been sued, but I'm actually suing someone for the first time. My truck was parked in front of my friend's place and it was hit by a 12 year old girl who took her aunt's car without permission. No insurance for them and I have collision. Truck was hit in October, first court appearance was December and finally have a trial date May 9th.

broke



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Came close - Ran over a kid on his bike who crossed the intersection while I had a green, He was completely in the wrong but his parents were very well off, while I had all of 4 grand to my name at the time. Bought him a new bike and that was the end of it.

Karma being what it is, he's facing some serious jailtime for dealing coke with the daughter of a very famous local area politician.

yellowdog



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beejmi wrote: Yes. And it's a good story too.

I fell asleep at the wheel and hit a truck on I-95 in 1990. I don't remember a thing about it. I hit him and then apparently went straight up in the air as my head tried to go through the roof of the car. I always assumed it was that "bump on the head" being why I didn't remember anything.

Years later the guy sued the insurance company. I got to meet the guy and see that he wasn't hurt, etc so that was cool.

At the deposition they asked me about the events of that night with my answers all being "I don't know" , "I don't recall" and "Oh I'm not sure"

Then they hypnotized me (!!!!!!) to get what happened out of me. I don't remember being under hypnosis nor do I know what I said.

They hypnotized you?  How can that be any more legal than forcing you to take truth serum before you testify?  never heard of that before...  wow.


 

Last edited on Mon Apr 22nd, 2013 07:56 pm by yellowdog

Ultimark



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Been sued 5 times. Once for a car accident when I was 23. She waited a long time. At the trial, she was awarded 22 thousand. Basically, she waited 7 months before even seeing a Doctor after her initial visit. They wanted to settle with my ins. firm for 6 figures but the ins. firm lawyer wasn't buying. A pain in the butt because I had to be at all the stuff when I had school which was important to me. She gasped, loudly, when the $ amount was read in court.

A kid fell out of my tree in 1998. Settled out of court for 5k. Sued 3x over business stuff. Twice I won the suits and 1 time I paid 14K on a settlement. It was just taking too much of my time and I decided the cost was going to be more than their last offer. Their first offer was 50K, so I did better by drawing it out.

I have a ton of insurance. I carry an umbrella policy for $1.5m for amounts above my auto and home and the coverage is much more extensive. When I sold the business, many tried to talk me into getting a high deductible health policy for my family. It didn't feel right. I paid $1200 for awesome coverage which is now $1600 a month. Good thing. My eye problems have cost a ton of dough. Of course, the bastards tried to say it wasn't covered at first but they relented.

Quattro

 

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Portalesman wrote:
Insurance is a good thing.

When you need it, it absolutely is.



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