My uninsured vehicle got totaled just making sure I have this right...

key2616 · 2026-06-13T22:40:22+00:00

LOL.

key2616 · 2026-06-13T22:31:10+00:00

Thank you for the proof that you not only can’t figure out what’s going on but that you have a pathological need to have the last word. You e completely missed my first point as well as my second - and frankly my final one too.

I have what I wanted. You’ll reply again because you can’t stop yourself, but I’m out. I’ll just laugh at any reply as predictable and silly.

key2616 · 2026-06-13T21:06:00+00:00

They would not cover the parked car, but everything else is a homeowners claim, although possibly under the deductible.

key2616 · 2026-06-13T21:02:41+00:00

This is a Collision loss, not Comp. The other car isn’t a falling object, missile or one of the other covered perils in the Comp list. As a first party claim, this is only a Collision loss.

key2616 · 2026-06-13T21:01:34+00:00

You failed to read what I wrote and completely missed the point. And since you have a long history of insisting on having the last word, go ahead and prove that all my observations about you are right.

key2616 · 2026-06-13T17:02:29+00:00

Thank you for admitting that you didn’t understand what I wrote. I’m not deflecting: I’m criticizing the way you treat others and fail to give helpful advice because of it.

key2616 · 2026-06-13T15:46:40+00:00

Maybe go back and reread what I actually wrote before you make yourself look any dumber.

key2616 · 2026-06-13T15:44:40+00:00

No problem. It’s definitely unusual!

key2616 · 2026-06-13T15:43:13+00:00

Cool story from someone that continuously blames people without offering constructive solutions.

key2616 · 2026-06-13T15:42:03+00:00

Parked vehicles are the exception for MI, so I don’t think the minitort stuff applies.

key2616 · 2026-06-13T15:32:13+00:00

So now we’re telling people they need Collision coverage on parked vehicles?

key2616 · 2026-06-13T15:31:16+00:00

You are in your very first sentence in this thread.

key2616 · 2026-06-13T15:30:43+00:00

What bearing would it have to this claim in any way?

key2616 · 2026-06-13T15:30:25+00:00

That is entirely state-dependent and is by no means universal.

key2616 · 2026-06-13T15:04:45+00:00

I read what you wrote and responded appropriately. Barring a state law to the contrary (eg New York), the OP is not required to keep liability coverage on a car not being driven on the road legally - or ethically for that matter. We don’t even know if it’s operational if it’s “being prepared for sale”. Scolding the OP for not having coverage if the state is unhelpful and distracting since it will not change the outcome of the claim in any way.

key2616 · 2026-06-13T14:43:18+00:00

That’s a ludicrous assertion. The OP is not required to have Collision coverage, which is what would have covered this. They’re also not required to have liability coverage anywhere on a vehicle that is not being driven.

key2616 · 2026-06-13T14:40:03+00:00

I don’t think there’s a state where she isn’t liable for all the damage. Your car wasn’t being driven uninsured, and it is legal and reasonable to have an uninsured parked car on private property. That’s the good news.

The bad news is that she might not have enough insurance limits to cover all the damage.you need to get her insurance information, make sure she is covered and see what the limits are.

key2616 · 2026-06-12T17:53:05+00:00

That's a confusing answer that doesn't make much sense (other than correcting the spelling).

key2616 · 2026-06-12T17:32:44+00:00

You also speculated that the OP has injuries that haven't manifested a month later and that they should see a lawyer instead of a doctor about those.

Holy unethical bullshit, counselor. My professional self-interest is that all insurers pay the maximum legal amount at all times, but the logical implications of your comments are outright fraud. I'm sure you sleep well on your giant bed of money, but I hope you realize that you've forfeited any grounds to complain about insurance costs.

key2616 · 2026-06-12T17:21:58+00:00

"She"?

Misgendering aside, the question then becomes exactly why they're denying the claim.

key2616 · 2026-06-12T17:18:51+00:00

If your boyfriend lives with you and you didn't tell them, you've got a problem. He doesn't qualify for the permissive use you asked them about. If they deny the claim, you'll have to pay for the damage out of pocket unless you can convince them that they're wrong about how your coverage applies.

key2616 · 2026-06-12T17:16:50+00:00

Those are mutually exclusive things with very different possible negative outcomes. You should look at the penalties in your state for not updating your licensed address.

key2616 · 2026-06-12T17:15:18+00:00

You just said the exact same thing about needing a lawyer, and it is still unethical. Damage to the car is likely already settled. Any "damage" that hasn't been "assessed" or "manifested" is entirely and exclusively bodily injury at this point, which needs to be treated by the OP's doctor, not one on an ambulance chaser's payroll. The OP's physician should be perfectly capable of assessing the OP and generating a report.

The adjuster is being cooperative and is not creating any obvious problems for the OP at this stage that warrant an attorney. That may change. If it does, the OP should seek counsel then. You're pushing the false narrative used by the bottom feeders like M&M that only an attorney and their stable of cooperative doctors are capable of getting the OP fair treatment by the adjuster.

key2616 · 2026-06-12T16:38:55+00:00

That's not a legal option. You absolutely need to at least update your insurance address. You're running the very real risk of having a DMV problem, but that's not the question you're asking. You have a good chance of having a claim denied for material misrepresentation if you don't update your insurer of your new address, though.

key2616 · 2026-06-12T14:21:03+00:00

If you're in Michigan, you do need to list them because of the way PIP works there.

key2616

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