I enjoy a serious ask please HELP?
ok, my brother was driving a friend's saloon while intoxicated and hit 2 parked cars. he got a ticket for a DUI. his friend give him the keys to her coup¨¦ and told him to drive, and she knew he didn't enjoy any driver's license. how dumb of her right?? will her insurance company pay for my brother's medical bills. she's proverb that her insurance company is suing my brother and she's the one who gave him the key to her car when he be drunk. can they actually do that or would she be the one to capture sued. let me know gratitude.
Answers:
Since your brother was driving the coup¨¦ with the owners go-ahead he automatically is afforded liability coverage to cover the two parked cars. If the friend did not have adequate coverage to pay for adjectives the car damages your bro might win stuck paying the excess damages.
Depending on if the friend has Med Pay or Personal Injury Protection (PIP) his medical bills would be covered up to the margins of that coverage. If the friend did not have Med Pay or PIP consequently your bro has to payment the med bills himself unless he has condition insurance and can talk them into paying the bills.
If your brother be driving the car beside the owners permission he is considered an "insured" below the friends policy. Insurance companies can not sue permissive drivers for the damages they caused.
***EDIT***
In most states not have a driving license does not mean coverage will not apply. I own paid hundreds of claims over the years where on earth the driver was unlicensed.
Wow. Well, I hope he wasn't injured too badly.
Her insurance company terribly well may NOT cover ANY of the damages for the claim - because he's not a licensed worker. Which means, HE can be held responsible for his own medical bills, AND the damages to the two parked cars, AND the wound to HER car.
You can bet your bottom dollar, IF her insurance company pays out anything, they will walk after him to recover anything they reimburse out. It's not "suing" him, it's called "subrogation". Insurance companies hold whole departments that do NOTHING but subrogation.
I would NOT count on them paying any medical bills, HOWEVER, depending on her coverages, her policy form, and which state you adjectives live in, they MIGHT. It's ALSO possible, that if your brother is a household partaker of YOUR house, YOUR policy might pay his medical bills, or the medical payments coverage on another household member's policy.
It vary wildly by state, who's policy is responsible for medical payments. Some states, you single EVER collect med pay beneath your own (or a household member's) policy.
It's really impossible for us to know here - but her ADJUSTER should be giving you that information.
There are a lot of factor that come into play regarding whether her insurance company will income for your brother's medical bills and also whether or not they can sue your brother. These things can vary from state to state, so your brother will have need of to consult an attorney in your nouns...I can't see any way of getting around paying for the services of an attorney, otherwise your brother could bring screwed legally.
(Perhaps its freshly the way you phrased the examine, but it sounds like you're placing most of the blame on your brother's friend. Let's not forget that he still ultimately made the choice to gain behind the gearstick.)
No. Your brother cannot collect for his injury due to the reality that he was the driver and is liable any damages and injuries resulting from the loss, including his own. And yes, they can, and probably will sue him. They be obligated to pay for damages to the two parked cars, but since they don't insure your brother, and he be liable for damages to those cars, they have the right to attempt to rest the money they paid for the two parked cars. It's call subrogation.
You have two issues here. First, as long as your brother be the permissive user of his friend's vehicle (as long as he doesn't live with her), he is covered below her policy. The company doesn't have grounds to sue him.
As for his medical bills, it would depend on the type of coverages his friend have on the policy. If there is med earnings or PIP coverage, he can file his bills near them.