More details to this question:
I was hit by a 16yo driver driving his mother's car with permission in Virginia. The teen was listed as a driver on his mother's policy but with minimum liability. My underinsured motorist policy is covering. Unfortunately my injuries have left me with permanent limb deformity, nerve damage and pain for the rest of my life. I'm told that there's nothing i can do to recover beyond the 100K policy limits. Can i get a judgement against a 16yo with no assets or agains his parents?
1 ANSWER
I'm sorry to hear about this. You should check your state laws to see if your state allows any type of stacking wherein you could potentially get more money if you have other auto policies. A local plaintiffs attorney should be able to tell you if your state allows anything like that. In Mississippi, we can stack other UM policies to get more coverage. You could see if the parents have any assets, but like you said, it is likely the teen has no assets. It would be a hard fight but could be worth it. Best of luck.
NOTE: This response is general in nature and should not be considered legal advice. No attorney-client relationship exists or is formed by this response.
Answered on Oct 06th, 2014 at 1:55 PM