My son wrecked my brand new car. Insurance denied th claim. I owe all of it plus repairs. What will happen? What is a lien?HELP

Asked on July 6, 2009 under Accident Law, New York


L.M., Member, California Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

Why did the insurance company tell you the claim is denied?  Is your son a licensed driver?  Does he live with you?  Was he an insured driver on your policy?  If he was not, then they can deny the claim.  If the crash was his fault, I hope no one else was involved.  If there was another car involved and it was your son's fault, you will owe for not only your own car, but for the other car, as well.  And, if there were injuries in that car, you will owe for medical bills and pain and suffering, too.  If the damages are sizable, you might want to talk to an insurance attorney who can try to help you get coverage under your policy.  Since I don't know why they denied the claim, I can't really help you with that.  Regarding a lien, that is what is placed on your property when you legally owe money and can't pay it outright.

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