se-alum wrote: It seems to me that the Lawyer wouldn't want to bring it up, so he can assure he gets his car fixed. I did laugh though when it went from what sounded like a side swipe in the first post, to totaling one car and causing 14k in damage to another!

I don't know why people don't understand this. I brought it up earlier in the thread. The lawyer wants the easiest route to receive the most amount of cash. That's going to be through the insurance claims route, not disqualifying the claim and holding the family's feet to the fire to write a check.

Agree with the above post. It is one thing if we are talking about a ding on the bumper or even up to a $1000 in damage, $14,000 in damage is something all together.

My biggest advice to the OP is to have the kid read his insurance policy (I know it is a novel concept). Specifically look under the exclusions and see if it is mentioned. Most auto insurance policies today have specific language regarding pizza delivery. If it is not mentioned he could be worrying about nothing. As I posted before, many standard auto policy now do not exclude pizza delivery driving, it is the non-standard policies.

Also, since the damage is $14,000 I hope he has sufficient limits of liability. The state minimum in Ohio is only $7,500 per accident.

This skould be a no brainer. If the insurance company doesn't ask, why in God's name would you bring it up? File a claim and go through the process and don't be a dumb ass and offer information they aren't asking for. Doesn't seem so hard.

I also have this issue with my business. my employees use there own car to transport clients. I have coverage on my business policy. Look up non owned auto. chances are your employer also has coverage for his exposure for you. It's also called the Domino's rider back when they had a policy of 30 minutes or less and a employee was involved in a serious accident and was sued.

http://www.lodgingstrategies.com/documents/HiredandNonOwned.pdf

$14K on a Lexus? Unbelieveable....

Maybe they should just keep it quiet... of course if he's a Lawyer he'll probably dig and dig and dig... sounds like it could end up costing your sister-in-law a lot of money

se-alum wrote: It seems to me that the Lawyer wouldn't want to bring it up, so he can assure he gets his car fixed. I did laugh though when it went from what sounded like a side swipe in the first post, to totaling one car and causing 14k in damage to another!

Bear mind this was filtered through my sister-in-law, who isn't the most reliable source of information. Appears this was a little bit more than a sideswipe - they have to replace all the bodywork on the right side of the Lexus, along with a new front bumper and grille, and also have to true up the front-end running gear. The family car had the whole front end running gear messed up - the car was 8 year old Chevy Cavalier with 135,000 miles on it, so it wasn't worth much in the first place

darbypitcher22 wrote:Maybe they should just keep it quiet... of course if he's a Lawyer he'll probably dig and dig and dig... sounds like it could end up costing your sister-in-law a lot of money

No he won't, why the hell would he?? The insuranc co. is who you have to worry about, not the owner of the other car.

gerb131 wrote: 17 delivering pizza, if I was that parent I wouldn't make a big deal about it.

That's when my pizza delivery career started and I retired comfortably at age 30.

The crowd loved hearing that one at the Vinnie Favorito show in Vegas.

Word from the sister-in-law - they're screwed.

Their auto policy officially excludes use of the personal vehicle for "commercial transportation" unless a separate rider is purchased - and the rider is not available to anyone under age 18. What really broke it off was that their carrier questioned some of the repairs. In response, Lawyer Lady sent them her cell phone photos of the accident - including a couple that clearly showed the placard advertising the pizza joint strapped to the roof of the nephews car.

Their agent managed to reach a compromise - the insurance company will pay for the repairs to the lawyer's Lexus, but they won't pay for for the family car.