Int'l Grad student driving but possibly no insurance?

Almost two weeks ago, my car was hit by an int’l grad student. We were on a wide boulevard with 3 lanes going each directions, not counting left turn lanes. There were cement islands separating the two directions of traffic.

I was in the left of the 3 lanes going west. She was in the middle lane going west.

She then attempted an illegal U turn and from the wrong lane (from the center of the 3 lanes that were going west). Neither of us was in a turn lane. Of course, she hit my car.

Anyway, she hit my car, didn’t stop, and actually crossed into oncoming traffic and proceeded to drive down the wrong side of traffic. She wouldn’t stop. She kept going. Luckily, a cop was heading down that street (she almost hit the cop head-on). The cop was able to get her to pull over. A witness stopped to provide the cop with verification of the accident.

The driver spoke broken English and was relying on her iPhone GPS that told her to make a U turn, but of course, the GPS didn’t know which lane she was in nor whether there were cars that she might hit. She kept telling me and the cop, “GPS told me make a U turn.”

She is from Saudi, where she wasn’t allowed to drive, has been here a year, somehow got a license with obviously very little experience. She is 29 years old. She lives alone while going to school. I have her apt address and unit number.

Anyway, she claimed to have insurance, but couldn’t produce any records. The car is registered in someone else’s name (maybe a relative’s) that lives in this state. The police were able to pull up some indication that Progressive is the company.

My insurance, Allstate, opened a claim so that I could get my car rental and get my car fixed. In the meantime, no one has been able to contact this lady. She doesn’t answer her phone.

Finally, I called Progressive and filed a claim. Progressive was very nice and took all the info and the police report. About 30 minutes ago, I get a call back from Progressive saying that they can’t (yet) find a policy for this car, owner, or driver. But, they said that will keep looking because with the unusual name (and long multiple names) they may have a policy, but can’t find it. I don’t know why they can’t search by VIN number, which I provided by police report.

The lady was cited for: Driving the wrong way, Making an illegal turn, Hit and run (serious), and not being able to provide car insurance info. I even had to go to the police station and sign and swear to the Magistrate that it was a hit and run. I was told that I would be subpoenaed later to appear.

Now, I’m really annoyed. If she doesn’t have insurance, or if Allstate “gives up” trying to find out if she has insurance, or if Progressive can’t find the policy, I take the hit with “uninsured motorist.” I have to pay the deductible, and I lose my “reduced” deductible that I have because of being a good driver with no claims. Ugh. It would be one thing if this was a poor woman, but she is not. She was driving a nice car, had nice clothes, nice purse, and had braces on her teeth. She lives by herself in one of the nicest apt complexes.

I have tried calling her numerous times. No answer. I have texted her. No answer (she has an iPhone, so I assume she has texting).

I was able to find her university email address thru the school directory.

Seriously, I think she may have decided to leave the country since she will likely lose her license - her only means to get to school, and she will be charged with the Hit and Run. I don’t know if that “crime” would mean that her education visa wouldn’t be renewed next year or not?

Oh…and one of the best parts…after the cops let us leave the accident scene, she AGAIN turned and started driving down the wrong way on the street, so the police had to go after her again. Get this lady off the road!

As an aside…what the heck was my state thinking giving this lady a license???

I would try (or have my insurance company try) to chase down the owner of the vehicle. The insurance follows the car in most instances. I’d try to get that person’s insurance to pay. I know this is a PITA. I was hit by an uninsured driver several years ago. It totally rots.

She’s a grad student?

Can you get the university to apply some leverage?

Wow - I am glad you are okay. I really don’t think it makes sense for our licensing departments to give the permit and written driver’s test in a language different than the street signs. Driving privileges should be all about safety and the safety of our children.

I would guess that either the insurance companies or the police have the ability to enter the VIN number and come up with the owners name and contact info. Maybe the car wasn’t insured and there was just an old Progressive card in the glove box. I wonder what the penalty is for not carrying insurance?

In my state if I let someone use my car and they get in an accident, my insurance pays.

What a nightmare for you…

So sorry to hear you’re having to deal w this. :frowning:

When we lived in Miami, we had something called “uninsured motorist insurance”. When DW got hit and the cop found out the other driver didn’t have a license or insurance, he just let him go and told her to file against our insurance. Hope you have better luck in this situation. I do know that at least in healthcare, some Saudis without traditional medical insurance are able to get pay their provider through their consulate - not so much now, but more common several years ago.

It was only after I was talking to my long-time Allstate agent, who is like a dear friend, that I called Progressive. My Allstate agent warned me that Allstate may “give up” and just let it get covered by the uninsured motorist. He’s the one who told me to contact Progressive and try to find her policy so that I won’t take the “hit” and lose my good driver reduced deductible.

Since there were no injuries, and the cost to repair and the cost of the rental are probably less than $5k, my agent warned me that Allstate may not be too aggressive to find her “missing” policy.

what’s up with that?? I realize that they must do some “cost analysis” and figure that they don’t want to waste a bunch of man hours searching, but you’d think with the VIN number, tag number, owner’s name and address, it should be their job to find this info!!!

Wouldn’t you think that a big company like Allstate could find out, yes or no, if there is a policy on that car???

What a crazy story! I would think Allstate would do their best to go after that driver in the hopes of getting her off the street!

What about the police? If she doesn’t deal with them they’ll put a warrant out for her arrest for the hit and run. Then at least, you’ll be able to find her.

I’m sooo sorry you were this nut job’s victim, but I have to say the incident reminded me of this, which might make you laugh, just a little:
https://www.youtube.com/watch?v=BIakZtDmMgo
I think I even hear the GPS in the clip counseling a U-turn after the disastrous result!

lol…

It was so sad. And, she kept saying it over and over again. I think she thought that she could convince the cop that she wasn’t really at fault. Sure, I’ll just bill Apple. :wink:

I just hope that her license is removed so that she doesn’t hurt herself or someone else.

I’ve been trying to find out what is needed to get a license here when you didn’t have one in your home country. It seems that once you’re over 21 getting a license is super easy…too crazy easy. I can’t find any indication that there is a “permit” period of driving with another licensed driver.

I doubt there is a requirement for an adult to take driver’s training or anything. Usually those are required only for teens on a provisional license. If you do take training, you may get a cheaper insurance rate.

My daughter had a permit when she was under 18, but never got her license until she was 18. I did make her take driver’s training, but she didn’t have to. The test was the easiest thing ever and she passed. She does NOT know how to drive! We’re still training her, she does okay in a very small car (VW Bug) but nothing bigger. I try to remember that although I had my license at 16, I was the 5th driver in a one car family, lived in a small town, went to college without a car, and really didn’t know how to drive until I bought a car at 21. And then I learned.

I think your friend is correct, that your insurer will just pay you and close the case. I was hit once and didn’t notify my company, did all the things the other company asked like getting 3 estimates (didn’t know any better) etc. and they sent me a check for about $800 when the estimates had been for $1200 and $1400! I then called my company and they paid me the $1200 less my deductible. Then my company did nothing. Finally, I called them and said that I was going to sue for the deductible and about a week later I received another check in the mail for the deductible. I’d been hit by a construction truck, they were nice and said just deal with insurance and didn’t deny their driver had hit me, so it was the insurance company that wasn’t cooperating.

Definitely use the VIN number to see who owns the car. With temporary plates, it might have just been sold to this woman and she may not have gotten insurance, although in most states you have to show proof of insurance to register it to even get the temp tags.

Do you know the court date for her tickets? You can show up early and ask the police officer to confirm her address and let him know you can’t get any insurance info on her. You could possibly sue her in small claims court for the deductible.

In our state the DMV will send out a letter to a vehicle requiring the owner to prove the vehicle is insured. If the owner does not respond fairly promptly their driver’s license is suspended and they are required to surrender the plates for the car.

My freshman roommate back in the mid 70’s dated a Saudi who attended the Citadel. He had a brand new Mustang and would drive up to Richmond merrily getting tickets the whole way going 85, 90, 110 mph when the national speed limit was 55. He would tear the tickets up claiming he had some sort of diplomatic immunity. I hated that entitled jerk. Maybe this is his daughter.

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My daughter had a permit when she was under 18, but never got her license until she was 18. I did make her take driver’s training, but she didn’t have to. The test was the easiest thing ever and she passed. She does NOT know how to drive!


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I suspect that this is also the case here.

I have long said that I think that bike-riding is a “pre-driving” skill. Those of us who were able to bike-ride a lot around town (not just our street), were likely better drivers from the “get go”. We had long been used to knowing how streets are, dealing with traffic, etc. Many kids today have not been allowed to “bike around town,” because we perceive that to be too dangerous now. And, I don’t believe that young women are allowed to bike in Saudi. So, this woman not only had no driving experience, but no biking experience, either.

Well today, Progressive is going to look further and see if they hold a policy for that car. I sure hope so!

It may seem petty but I don’t want to lose my safe-driver reduced deductible, I don’t want to have to pay my deductible, and I don’t want to lose my “every six months” safe-driver check for about $125. lol

It’s awful that you have to pay for an accident where you weren’t at fault. The same thing happened to me. I lost my premier driver discount (for 5 years!) because I had been in two accidents in two years and neither one was my fault. They were both really minor too. Some states don’t allow insurers to do this.

M2CK, so glad you’re ok and sorry for the trouble! UM/UIM (uninsured and underinsured motorist) coverage is vital. It is coverage for YOU. Many drivers only carry statutory minimum limits, if any coverage at all. This becomes very important when bodily injury is involved. If this woman had $35k limits and you had $800k in damages you wouldn’t have enough UM limit to cover your expenses. Consider adding $1mil UM coverage to your personal umbrella.

Have your agent advocate with Allstate on your behalf. I’ve heard of success in maintaining “claim free” status when there is clear evidence of a not at fault accident, particularly with an uninsured motorist. It depends on the carrier but seems to be worth a try.

I’ve seen first hand that when internationals (including undocumented persons) are involved in auto accidents, it’s really hit-or-miss (pardon the pun), regarding the actions the police will take. I have seen quite aggressive, properly so, action from police when the international driver displays a carefree attitude at the problem they created. At other times I have seen the international driver get less than a slap on the wrist. I would berate her insurance company until they come up with answers. I would also check the public databases for litigation or traffic tickets involving her name.

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would also check the public databases for litigation or traffic tickets involving her name.


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Good idea. If this is her first accident or incident, it will only be because of pure luck.

I know that the police officer was very annoyed by the whole incident, because she called me afterwards to make sure that I came in to swear/sign the “hit and run” paperwork. Since this driver drove the “wrong way” twice within an HOUR, she needs to be off the road. Heck, she almost ran head-on into the cop the first time!

This has made me very aware of how easy (too easy) it is for an adult with no prior experience to get a DL.

My Allstate adjuster called today and they’re doing a search on the VIN. The name spellings were posing a problem. (Progressive also called this morning and say that they don’t hold a policy for that VIN…so now the search continues)

I’m so sorry that you have to go through this! What an entitled nut job!

Is there a way to file a complaint with immigration? That would get her to pay attention.
I would contact the university’s security office. They usually have their own security force and could look up her information.

The universities parking office might offer you some information. (at least to verify that her address/phone are in fact the same as you were given)

Police would have gotten info off her DL, but UA would have more information if authorities need it. UA Parking Office may look into UA system info with seeing the police report. Student visa - her tangling with the law could jeopardize her visa. She is using a different country’s ‘operating instructions’ which she will be getting a rude awakening that things need to be handled differently. Knowing the road, she is a huge risk behind the wheel. Whoever owns the vehicle she is driving may have insurance - maybe they changed their mind on the Progressive ins? Can they revoke her license based on what she has done with the police seeing her driving? Can they require behind the wheel driving instructions?