Quote:
Originally Posted by NJSPEEDER
Not really. When one party is clearly at fault the insurance companies will try to avoid getting sued for max payout. Remember, liability as far as traffic offenses is vastly different than when in court for a lawsuit. Since the driver that hit the Camaro was clearly at fault when hitting a parked car and fully insured, the insurance company is on the hook for any lawsuit finding that is within the payout threshold.
They simply do the math and make the decision, it is worth cutting a check for 30k-ish for the car or risking paying out the probably 50-100k that is common on full coverage policies?
-Tim
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If the car should have not been on the road, the accident would have never happened. An uninsured vehicle should not be on the road. Luckily, it appears he did have coverage via the dealer plate's liability insurance. But yes, it does come down to the bottom line.