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Old 05-19-2022, 11:40 AM   Topic Starter
Reroka Reroka is offline
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Legal Help

Hey all, I need some advice,

As you all know I posted I was in an accident in April, I was driving a passenger for lyft. Lyft insurance deductible is 2500.00 and since I had a passenger my insurance will not come into play.

I am going to take the driver to court and ask for 10,000.00, that amount included the damage to my car, lost wages, court fees, and car depreciation. My questing is may I include the owner of the car in my lawsuit? The driver and the owner are two different people.
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Old 05-19-2022, 11:42 AM   #2
TLO TLO is offline
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Call Jungle Law.

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Old 05-19-2022, 12:44 PM   #3
ModSocks ModSocks is offline
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Call Jungle Law.

Lookin' sharp in that suit, DJ.
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Old 05-19-2022, 01:47 PM   #4
DJ's left nut DJ's left nut is online now
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Originally Posted by Detoxing View Post
Lookin' sharp in that suit, DJ.
I actually own that suit. Or something as near as makes no difference. It's my 'flashy' suit for using in St. Louis if I'm trying to pretend to be high falutin'.

I actually like it quite a bit. Nice cut; has the hand stitching at the edges (pin stiches or some shit like that). Kinda fun peacocking here and there.

I don't have that orange tie, though. Kinda feel like I need it now...
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Old 05-19-2022, 07:01 PM   #5
Demonpenz Demonpenz is offline
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Lookin' sharp in that suit, DJ.
That guy drives a Camaro
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Old 05-19-2022, 11:46 AM   #6
DJ's left nut DJ's left nut is online now
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Yeah, you can. It’s not a great cause of action but it’s doable.

Negligent entrustment can work depending on the fact pattern.
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Old 05-19-2022, 11:55 AM   #7
Reroka Reroka is offline
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Originally Posted by DJ's left nut View Post
Yeah, you can. It’s not a great cause of action but it’s doable.

Negligent entrustment can work depending on the fact pattern.
The father gave permission to drive with the knowledge that they did not have insurance.
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Old 05-19-2022, 12:45 PM   #8
DaFace DaFace is offline
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Originally Posted by Reroka View Post
The father gave permission to drive with the knowledge that they did not have insurance.
Wait, the car wasn't insured, or the kid wasn't insured? Assuming the kid was a legal driver, the car's policy should still apply. At least that's always been my understanding.
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Old 05-19-2022, 12:47 PM   #9
Reroka Reroka is offline
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Wait, the car wasn't insured, or the kid wasn't insured? Assuming the kid was a legal driver, the car's policy should still apply. At least that's always been my understanding.
Both.
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Old 05-19-2022, 01:08 PM   #10
DJ's left nut DJ's left nut is online now
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Quote:
Originally Posted by Reroka View Post
The father gave permission to drive with the knowledge that they did not have insurance.
That right there is what we call a ‘colorable argument’…

As my favorite professor was fond of saying “hey, I’d argue it for money…”

He knowingly put an uninsured driver behind the wheel of his car and in so shopping exposed the public to a heightened and unreasonable amount of risk.

Like I said, negligent entrustment claims aren’t the best - they’re pretty attenuated and proving knowledge can be tough. But knew ‘or should have known’ can do some heavy lifting for you there.

And damn man, lower your deductibles. $2,500 is borderline uninsured. With a $500 deductible and adequate commercial riders, you just submit it to your carrier and let them deal with it.
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Old 05-19-2022, 01:16 PM   #11
Reroka Reroka is offline
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Originally Posted by DJ's left nut View Post
That right there is what we call a ‘colorable argument’…

As my favorite professor was fond of saying “hey, I’d argue it for money…”

He knowingly put an uninsured driver behind the wheel of his car and in so shopping exposed the public to a heightened and unreasonable amount of risk.

Like I said, negligent entrustment claims aren’t the best - they’re pretty attenuated and proving knowledge can be tough. But knew ‘or should have known’ can do some heavy lifting for you there.

And damn man, lower your deductibles. $2,500 is borderline uninsured. With a $500 deductible and adequate commercial riders, you just submit it to your carrier and let them deal with it.

My personal deductible is 250 and 100 of UM.

This is Lyfy comm insurance coverage. I have no control over that. That is what Lyft's coverage is for us drivers in my state.
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Old 05-19-2022, 01:24 PM   #12
DJ's left nut DJ's left nut is online now
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Quote:
Originally Posted by Reroka View Post
My personal deductible is 250 and 100 of UM.

This is Lyfy comm insurance coverage. I have no control over that. That is what Lyft's coverage is for us drivers in my state.
Ah - so you're using what Lyft provides rather than carrying your own endorsements on your personal policy?

Because I'm sure you could get a commercial endorsement on your personal policy, pay a little higher monthly premiums but have better deductibles.
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Old 05-19-2022, 01:25 PM   #13
KCUnited KCUnited is offline
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What type of insurance would the driver of the vehicle need to cover this?

I'm sure its state by state but I was under the impression that insurance followed the vehicle not the driver. Personal liability coverage through a homeowners policy maybe?

Generally curious and hope it works out for you.
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Old 05-19-2022, 12:11 PM   #14
Sassy Squatch Sassy Squatch is offline
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Huh. Is that common for those services like Lyft and Uber? You'll have a separate insurance policy contingent on whether you're working or not?
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Old 05-19-2022, 12:18 PM   #15
SupDock SupDock is online now
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Huh. Is that common for those services like Lyft and Uber? You'll have a separate insurance policy contingent on whether you're working or not?
Typically you need to inform your insurance that you will be driving. They need to add it to the policy, otherwise you will not be covered. I had a friend who was hit by a DoorDash driver. They did not inform their insurance, so they were basically an uninsured driver
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