What can I do if the girl who hit my truck was not covered by her mother's insurance because she was an excluded driver?
Question Details: My truck was rear-ended 3 months ago. I have written her a letter, asked her to get together to make some kind of arrangement, called and left messasge but all with no response. I tried to call again but she has turned her phone off or changed her number. There is $6,000 in damages to my truck and $2,000 in medical bills.
Your only recourse is to sue the registered owner and the at-fault driver for negligence. One lawsuit is filed naming both mother and daughter as defendants.
Your damages (monetary compensation you are seeking in your lawsuit) should include the following: property damage (cost of repairs to your truck), and when you complete your medical treatment and are released by the doctor or are declared by the doctor to be permanent and stationary which means having reached a point in your medical treatment where no further improvement is anticipated, compensation for medical bills, pain and suffering and wage loss.
Compensation for the medical bills is straight reimbursement. The medical reports document your injury and treatment and determine compensation for pain and suffering which is an amount in addition to the medical bills. Compensation for wage loss is straight reimbursement.