Friday, November 07, 2008

Insurance wars……..

The guy driving the Blazer had a Michigan plates on the vehicle and a permanent address in Florida. He was a construction worker in route to a project in Texas ( he had told Hugh Houston and me Galveston ) Since Galveston had just been hit hard by Hurricane Ike that sort of made sense to me.

On Monday Hugh started the usual round of calls to the various insurance agencies. Yes, we did get the information. Yes there is a police report on file. Yes, yes, yes…..

What was discovered by making a call to the other guys insurance carrier was that his policy had been dropped three months ago for lack of payment.

A call to his home address turned up his mother who had not heard from him since he left for Texas, and no she would not know how to get in touch with him until she heard from him. She promised to have him call as soon as she heard from him. Yeah, sure.

Over the next few days we would learn that the truck was covered by the uninsured motorist clause in Hugh’s policy but the trailer and it contents would not be.

Hugh’s insurance carrier, however, has a policy of going after uninsured motorist with a vengeance. They chase them down and file suit. When they do they file on behalf of the insured and they go after everything. Damage to the main vehicle, damage to the trailer, damage to the trailer contents, pain and suffering on behalf of both the insured driver and passenger, loss of wages for missed work, the whole shooting match. At the end of the litigation Hugh would expect to receive payment of the extra stuff. If the guy had the ability to pay.

That would be WHEN and IF.

Hugh’s back was bothering him by this time so he went to the Doctor who set up an appointment for an MRI session. That would reveal two bulging disc.

He also took the racer over to a local race car shop and got estimates as to what it would cost to make the required repairs on the racer. It turned out to be about the purchase value of the car. The majority of that cost being skilled labor to fabricate and replace the damaged parts and the re-welding of the cracks in the chassis connections caused by the impact.

The truck could not go into the shop for a couple of weeks because of the their current workload, but at least it would be covered. Except for the deductible…

Hugh was not a happy camper.….it got very quiet around the house.


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