I had an accident on mothers day 2012 and i total lost my vehicle due to a large tree covered completely across the road, It wasnt in anyones yard so i dont kno what to do. Me my girlfriend and baby where involved, my girlfriend injured her ankle and the air bag bruised my arm, leaving us out f work for a couple days. Due to the fact that i was still paying on the vehicle it was signed over to me but the insurance was in the previous owners name...how do i go about getting compensation for my vehicle, time lost from job and doctor bills...please help
Your girlfriend and baby likely have a right to sue your insurance for negligence, so they need lawyers. You hitting the tree is likely your fault, so I doubt you have a way to sue for your injuries but you may still have a claim if you were smart and carried med pay on your insurance. In any event, to be safe, you should see a lawyer too. But I suspect their claim is far stronger than yours. As for your vehicle, if you're at fault, you get paid nothing unless you carried full coverage.
You likely have a right to recover from the property owner who owned the tree. Your girlfriend and baby also, in addition o the cause of action against the tree owner, may have a right to recover from you, not your insurance company (it's important to know that they will have to sue you to get the insurance money, but it's also important to know that insurance companies are not sued directly for the negligence of their insured, in most cases). They may also be entitled to compensation from their own insurance company for uninsured or underinsured motorist coverage. It's important that you and your girlfriend both get attorneys.
Somebody was responsible for the tree, either a public entity or a private person or entity, and there may be liability for failure to maintain the tree, clean it up, etc. If a public entity was responsible, there may be special statutes of limitation that require you to take legal action within a short period of time, so you should contact an attorney immediately to evaluate your rights both for the property damage and the injuries.
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