I was in a very Bad Accident .I was a backseat passenger with my friends brother, he was driving pretty recklessly. The mother stopped paying their insurance days before the accident and the other ladies insurance is still active, even during the accident. Can my mother buy new uninsured motorists coverage after the accident and will it work for my compensation against her insurance because the pip coverage isint goin to pay my bills and severe body injuries, thats exceeding the 10,000 mark. I have a metal plate in my arm forever now with a 12’ scar. I also broke my pelvis so I have to keep surgical screws in my pelvis for the rest of my life aswell. I have pictures to show the significance of my injuries.
Buying insurance after the fact will not pay on your bills for an incident that occurred before.
In the future, I recommend that you and other family members purchase as much uninsured motorist coverage as you can afford. Many people in Florida operate with no bodily injury coverage or no insurance at all. That puts you at a great disadvantage and you need to protect yourself in the future.
I do recommend that you have a personal injury attorney fully evaluate the coverage situation here. If the tortfeasor's coverage was not appropriately terminated under the law, there may be coverage despite their saying there is none.
You should obtain needed medical care and treatment immediately and follow the doctor's advice. Do not give any statements to the adverse party or insurance company nor grant them access to any medical records. Photograph the injuries and the damage done to any property. Contact a personal injury attorney in your area as soon as possible so that you can protect your rights. You may also find it helpful to review the Legal Guides I have published on Avvo.com dealing with many of the issues you are now facing. You can access my Legal Guides through my profile page on Avvo.
Legal Disclaimer: If this information has been helpful, please indicate below. Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
Only coverage that was in effect on the date of the accident would apply. New coverage would not apply retroactively or everyone would go out and buy it after an accident.
Although I am happy to give my opinion freely based on my knowledge, experience, and training as a personal injury attorney, the opinions I give in response to questions posed on AVVO should not be construed as legal advice and should not be relied on to make legal decisions.
No. It only matters what was in effect on the date of accident. You probably should consult with an attorney to be sure all possible coverages are being addressed.
Agree with the above answer. She can buy it now, but it won't apply to your accident.
Unfortunately, your mother will not be able to purchase new or additional UM coverage and have it apply retroactively to your accident. That is not how auto insurance works. Your option is to pursue the at-fault vehicle driver(s) and at-fault vehicle owner(s). If you haven't consulted with an attorney, you should do so immediately so that the attorney can investigate sources of recovery and advise you on your options. Good luck.
Insurance policies don't work retroactively, otherwise people would only buy insurance after the fact
Nope. You can't buy insurance AFTER an accident any more than you can bet on a football game after the the final score. If there was no insurance available with the at fault driver of your car, from a financial perspective you are likely screwed unless the owner or driver of that vehicle has an exceptional amount of assets or cash that would prevent them from filing bankruptcy. Sadly, this fact pattern falls into the "its all fun and games until someone gets hurt" aspect of being a passenger in a car with a young male driver "driving pretty recklessly" and no one speaking up or dialing 911 if they wont let you out of the vehicle until its too late. You and your mom may want to hire a lawyer, though you may have to pay for it, to secure an asset investigation to see if its worth pursuing the driver or owner personally financially. Just be prepared for the answer to be no.
Responses provided represent entirely un-researched, casual opinions and cannot be relied upon in any way or manner as legal advice. No communication here is intended to establish an attorney-client relationship.
I recommend you buy it and then pray you never need it in the future. The insurance will NOT apply retroactively.
Unfortunately, your mother cannot purchase additional insurance after the fact because coverage does not apply retroactively. I would recommend that you hire an experienced personal injury attorney in your area to pursue a claim against the auto insurance company for the driver and/or owner of the other vehicle involved in the crash. Good luck.
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