My question involves insurance law for the state of: CA
MY HUSBAND WORKS IN CONSTRUCTION AND WHILE LEAVING WORK ONE DAY, DRIVING DOWN HILL (A NICE HIGH WINDING ONE LANE ROAD) ANOTHER CAR WAS TRAVELING UP THE ROAD, IGNORED THE WORKERS COMING DOWN TELLING HIM TO "TURN AROUND, HEAVING EQUIPMENT COMING DOWN" AS MY HUSBAND CAME AROUND A CURVE W/ SUN IN HIS EYES THEY HIT FRONT END TO FRONT END.
MY HUSBANDS HAS A RAISED FORD RANGER AND THE OTHER VEHICLE WAS A COMPACT.
THIS PERSON SHOULDN'T HAVE BEEN DRIVING UP THAT ROAD IT IS POSTED, BECAUSE OF THE AREA (CA SIDE OF THE MEXICO BORDER) POLICE COULD NOT COME OUT TO THE AREA FOR A POLICE REPORT NO ACCESS W/ THE ACCIDENT AND EQUIPMENT. LONG STORY SHORT WE FOUND OUT THERE WAS A LAPSE IN OUR POLICY AND NOW THE OTHER GUY 'S INS COMPANY IS COMING AFTER US FOR $3500 AND SAYING WE DIDN'T HAVE INS SO WE ARE 100% AT FAULT. HE WASN'T SUPPOSED TO BE DRIVING UP THERE, WAS TOLD "TRUCKS ARE COMING DOWN", AND HIS INS IS SAYING WE ARE AT FAULT. ACCORDING TO OUR POLICY FROM START DATE TO TERMINATION DATE WE HAD COVERAGE, BUT THERE WAS A LAPSE IN IT.
I APPOLOGIZE FOR THE LENGTH OF THIS THREAD BUT IN TODAY'S ECONOMY WHO CAN AFFORD A LAW SUIT AT THE OTHER PERSON'S EXPENSE. ANY HELP WOULD BE AMAZING. THESE PEOPLE / CO ARE BORDERLINE HARRASSING US. PLEASE HELP THANK YOU