My friend was riding his bike in the bike lane when a young lady, who stated that she fell asleep, plowed into him. She is 17 years old, and didn't have a license actually. The parents had the minimum limits on liability. He was badly hurt, broken back, etc, and $30,000 isn't going to do anything for him.
Here's my question, if he were to sue the girl and her parents that own the car, is there any chance their personal liability on the home owner's insurance could pay? Not sure if I sound crazy, but I know that coverage extends beyond the home and property if one hurts someone or damages property. Is there a glimmer of hope there? Otherwise we kinda found out they don't really have money or assets to speak of. So again, he's just looking for hope somewhere. TIA.
Posted by niner_greg
3 Comments
I’m sorry, but there is no coverage available under the homeowner’s policy. They all contain an ‘auto’ exclusion for negligence incurred while operating an automobile.
However, just because they don’t have insurance does not mean they are not liable. Allowing a 17 year old to operate a motor vehicle without a license is pretty much negligence per se. In other words, if they have ANY assets whatsoever, your friend should have no trouble prevailing in a civil suit against the driver and parents. This is what happens when you don’t have enough money to cover the damages. Google Alex Jones and him having to declare bankruptcy as a result of a civil trial verdict.
If your friend secures a judgment regardless of their assets, it will be on the books in the event they hit the lottery or something. Sorry to offer not much here. Hope your friend gets better soon.
Does your friend happen to have their own auto insurance? If so, do they have Underinsured Motorist Bodily Injury coverage on their policy?
Maybe also check r/askalawyer. Wonder if you can get a civil judgement now, against earnings the now 17 year old may have when she gets older? or is it like criminal court where your juvie record can be sealed?