can a person sue the owner of a car that is driven by another person also insured on same policy in nj?


my son was driving a car insured by his grandfather, whom he lives with. My son is programmed on the policy as an insured driver. He was driving with his brother and girlfriend in the sports car, was at a stop sign.It was pouring rain that darkness and a man dressed all in black with a hood on run in front of the car.car coming from a complete stop. said guy who be hit is sueing my son, his grandfather claiming he has permanent damages. I was in that the man stood up, he also is homeless and a drug user. known in the town as such. He is always walking around town, go to the corner bar. moved back in next to his mother just so he wouldn't be known as homeless. Can he sue his grandfather in a civil suit merely because he owns the car,said grandfather has very correct insurance coverage? Please help, Grandfather is not well and 81 years old. Thank You
Best Answer:
How do you hit someone when you're stopped at a stop sign? The man would enjoy to get an attorney and pay filing fees earlier he could sue anyone, and most of the time accident cases go after the insurance company to pay out the policy maximum and next they go after the driver involved in the accident, not the vehicle owner.
my brain is hurting what???????
I can't believe you're even compassionate of blaming the homeless guy your kid ran over. If your son was at a complete stop, even if it was dark and the victim was dressed in black, your son would own seen him and this wouldn't have happened. Even within the rain. Yes he can sue the grandfather if the original insurance settlement isn't enough.
If you own not already notified your insurance company please do so -now. The faster you get the claim to your company the better. When you talk to the adjuster - relay the adjuster what you know about the guys reputation. As a drug user etc. This should prompt the adjuster to run a back ground check on the guy. If he's into drugs etc... there could be some interesting stuff contained by a criminal record that would be good for the insurance company to know in defense of the statute suit. Are there any witnesses? If so - let the adjuster know. Cooperate with the adjuster within the investigation of the claim. They will want to get photos of the car, and speak to all occupant of the car. As far as a law suit goes. The guy would sue the owner and the driver of the motor. However, your insurance company will hire an attorney to defend the law suit. It's in your auto policy. When a imperative suit gets filed - it is served on the person (not the insurance company). So it would be served on your son and/or your grandfather. Usually a tenet suit is served certified mail or by process server. If your son or your grandfather gets suit papers---- call the adjuster directly!! Here's why: when your son or grandfather gets sued - the clock starts running. The insurance company has 30 days to get an answer on report. If an answer is not filed in time - then a non-attendance judgement can be entered against you. That's an automatic "you lose". Not a good thing. The faster you go and get the suit papers to the adjuster - the faster the adjuster can get them to the attorney and the more time they have to get the answer surrounded by. If you get a law suit.....it's going to say adjectives kinds of outrageous stuff. Don't take it personally. That's in recent times part of law suits. Once the claim gets filed- trademark sure the adjuster has good phone numbers/addresses for you, your son and grandfather. If any ones address or phone number changes - please bid and update the adjuster. Some claims can easily go on for a couple of years. If you have question - ask your adjuster. That's what we are hear for. This is a stressful experience for your family. It's something you have never had to promise with before (and hopefully never will again). Ask any question that comes to mind. Share any piece of information you want to next to us.