You live with a relative, and have a license they have not put you on their plan?

About year back now I was involved in a car wreck. I was going onto an off ramp, and I rear ended someone in the back. The car in front of me hit the car in front of him. The front car just drove off. I cannot prove yes or no that the driver I hit, hit him first car because of that I hit him. I don't know if he could prove I hit him first back either then casing him to hit the other car.

But that is not the real question. It was not my car it was a relatives car that I was living with at the time. I have information to prove that I was living with them. I did not have my own insurance yet as of the fact I didn't own my own car. They had not put me on their policy, but yet they had given me the keys that night to go pick one of them up. Because the other was being lazy, and didn't feel like doing it. Well after it was all said and done. The others cars insurance was calling me saying that my family members insurance was not going to cover me. My family members claimed that their insurance did not cover anyone under 30 which I believe to be a lie. They also said because at the time I was a minor , that they thought they would just drop the charges and claim it as a loss in their taxes. The others cars insurance is now expecting me to pay for the costs of it. Even though I have been told that if you live with the person that is insured they will cover part of the cost. Now their are saying their going to take away my license. If there anything I can do? Can I hire a lawyer for the case to defend me? I would not want to sue my relative, but this is more than I can afford (10,000.) Seeing as I myself am still going to school full time. Nor will either of my parent help me. I cannot afford a lawyer by myself as I stated full time in school so I really feel in a bind at the moment. I need a car to get myself back and forth to school any advice is welcome good or bad. Thank you so much.

How did you get a license without being on someone's insurance policy, if you are too young to have your own? Aren't you on your parent's policy? You don't have to own a car to have insurance.

No, living with someone does not mean you are on their insurance.

I find it regrettable that you are blaming everyone else for something that was your responsibility. "They were too lazy to to pick the other one up, so I had to do it" isn't an excuse. If you get behind the wheel of the car as an adult (i.e. old enough to have a license) you are responsible to have proof of insurance for YOU.

You have no grounds to sue the owner of the car. But, they sure have grounds to sue you. If they put you on their policy, their premiums would go up even if you did not have the accident, because you were a minor. And had you been on their policy, their premiums WOULD go up since you did, in fact, have an accident. Their insurance company denying the claim is protecting their client, your relatives.

You could hire an attorney who would be glad to take your money---but to prove what? There is no question you are an uninsured driver. If you don't pay, then who do you think should?

Good luck. And, I am glad no one was hurt in the accident.

You're blaming your relative for not placing you on their insurance policy? Why should they? Take responsibility for your actions!!!

GentleGrace... more bad law... have you heard of a permissive user?

If you had a clue what you were talking about, you would know that permissive user laws DIFFER from state to state and since the poster does not SPECIFY in which state he resides, it is impossible to say with any degree of certainty whether or not HIS state of residency HAS permissive user laws that are liberal and would include him in this situation. AND since the insurance company is DENYING payment, it is safe to assume they do not share your opinion of "bad law" OR "permissive users".

And for those who DON'T know about permissive users, a tutorial:
I am looking for a good definition for a permissive user?
Generally, a permissive user would be defined in automobile insurance, as a person who is not listed on the policy who uses the vehicle with the permission of the owner. The permissive user may or may not be covered in the event of a loss depending on the term of the insurance contract and the state laws on permissive driver use.
The majority of insurance companies do require that all household members and regular operators of the vehicle be listed on the application to be covered. A permissive user is typically not a household member by definition of many insurance companies. Whether permissive use extends to others beside the individual who requested the permission is hard to say. It depends on whom the policy permits to grant permission and how that permission may be granted. Therefore, a permissive driver could possibly be covered with the same coverages as the insured because in many states the coverage follows the vehicle not the driver. However, if there is failure to comply with the policy terms, with state laws there may be a reduction in coverage provided or coverage may be denied. Since the owner of a vehicle can be vicariously liable for injury or damage that occurs with their property you may elect to review your policy Declarations page , as it should list who is to be covered in the event of a loss and how your policy provides these coverages. Your insurance agent, claims representative or insurance carrier would be able to provide you with the specific information regarding your policy.
The state laws regarding whom a permissive user may be defined as and how they may be extended, coverage varies by state. You can visit your State’s Regulatory Office to verify that information.

Aside from that, the only thing you said was IDENTICAL to MY COMMENT which said
"I find it regrettable that you are blaming everyone else for something that was your responsibility."
HE said he was NOT on their POLICY and he did NOT have his own insurance. Therefore, he should NOT be behind the wheel of a car, period.

Get your own material. Better yet--how about focusing on the material in the thread instead of me? TWO out of TWO postings.......... GRACE this, GRACE that.

You are transparent. And trifling.

Move along.

If you're interested in properly educating yourself, read on. This gives a perfect example of exclusionary rules that CAN come into play in SOME states when an insured allows his car to be driven by an UNINSURED driver.

Seemingly simple liability exclusion should be carefully considered | Rough Notes | Find Articles at BNET

And, of course, I will be pointing out to the ADMIN that you found a way to bypass your Boykin Ban and return. Only ONE person has EVER "joined" as a "new user" and restricted her comments 1. to me and my personal life and 2. abusively nasty to original posters. You are pitiful.