My question involves an injury that occurred in the state of: Calif.
Hello, I am trying to find answers to a number of questions... hopefully some of you can help. Thanks in advance.
I was recently involved in an accident while driving my girlfriend's car. I was in a busy and crowded parking lot and was forced to back up to allow another car to park, while backing up I felt a thump. I got out to find a 60 - 70 year old woman on the ground. I was shocked of course and asked her if she was OK and offered to help her up. She instead got up on her own and I walked with her to her car to exchange information. The police were called, and they said that due to the woman's age they were going to call the paramedics - so the paramedics came and took her away. I spoke to the police officer later that day and he said there were no major injuries and she was released on her own. I understand I am likely to be found at fault.
I was driving my girlfriend's car, which is insured, however both she and I thought that her insurance extended to me if I drove it. Once I got home later that day I looked through all the paperwork we had for my girlfriend's insurance; I was listed as an exclusion! This surprised us both as she has very good coverage, covering her for almost every possible thing. Yet I was listed as an exclusion?!?! We've called the insurance company and have asked about this, believing this was mistake on there part or they did not mention the exclusion at the time the policy was written. We are waiting to hear back.
Either way I do not have insurance of my own. The car that I own is a 1985 Nissan that has not run in about a year and so it sits parked in a garage. I don't have the money to fix my car right now and have been unemployed since I was laid off in March 2009.
I've tried to contact the pedestrian, primarily because I feel bad about the whole thing; also because I would like to try to offer her money to settle and ASAP. The pedestrian's insurance company has contacted me and asked that I only deal directly with them.
The pedestrian's insurance company has not giving me any information about the woman's condition or the cost of the ambulance ride.
I assume that the women has no broken bones and required no surgeries when she went to the emergency room. Would it be acceptable to make the women an offer of money and ask her to stop her claim with her Insurance? Even though her insurance has asked me only to deal with them and not contact the women?
If I am stuck dealing with the pedestrian's insurance and my girlfriend's insurance will not cover me does anyone know if the number the pedestrian's insurance company asks for will be negotiable? Or will they ask for the amount they have paid to the pedestrian? If I pay the insurance company can the pedestrian still come after me for money?
If I have very little money in the bank and maybe only 10K in an IRA account, what happens if I can't pay? Declare bankruptcy?
I am lost in all of this, and as you might imagine very stressed out. Any thoughts, comments or suggestions would be greatly appreciated.