My son was a passenger in a vehicle in which an exclusion of coverage left the vehicle uninsured. He was thrown and we are settling with our insurance company for his medical damage. My son was a minor at the time but now is 18. I recently found out that my insurance rates are on the rise due to the accident now being on my once clean driving record. Also my out of pocket deductible and co-pays are about 5,000.00 the parents allowed my son to ride in the vehicle with out my knowledge or permission with their son, who was not a licensed driver. They also were aware hey had an exclusion of coverage Do I have any lawsuit against the parents for their being negligent, my son had stayed the night at their home the evening prior to the accident.Yes we have uninsured motorist coverage, this will cover my son's medical, but not my increase insurance rates, loss of work/income loss while caring for my son.
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