My kid’s dad was a pedestrian, and was hit by a car. He passed away. The motorist was underinsured. We have filed a claim against his parent’s insurance for UIM since he lived with them for the last 10 years. Progressive is giving us the runaround because his parents claim he hasn’t lived with them for years.
Our house was sold when we divorced a decade ago. He’s never established any home anywhere else ever. He was on drugs and had no bills. His adult son lived with them for about a year last year so he’s cooperating with the investigation.
Here’s the proof I have: court documents and bond slips, probation docs with address, subpoenas, a restraining order I found on clerk of court site. Even his death certificate has this address. He’s had arrests with this address listed. After he died, his disability attorney contacted me with paperwork with this address on it. What are the chances? His parents are denying he lived with them with no proof simply because they’re not benefitting; if they can’t get money, they wouldn’t want their grandkids too, either. Any insight?
Posted by IntroductionWeak4120
4 Comments
If all his official records list that address and his parents have nothing to prove otherwise, you actually have a strong case. Insurance fights residency claims by default, but documentation beats someone just saying “he didn’t live here.” You may need a lawyer to push it through, but your evidence is solid.
Sorry for your loss.
I don’t work in this space, so this may sound idiotic, please bear with me. Why would the parents’ UIM coverage apply just because he lived with them as an adult?
UIM adjuster here – if he actually didn’t live there is likely no coverage. If he was not staying there he isn’t a resident relative – but more like using their address as a place to get mail. Otherwise I could change all my mail to my brothers house, get in an accident and try to make a claim against his policy. I will say it’s almost sounds like you want the parents to say he was living there even when he wasn’t – which could be fraud. Now there are many deciding factors in this – the state, policy language and the parents policy limits, and even the insurance company as a whole.
Absolutely hire your own attorney.