As many of you know, my 83 300D was smashed by an inatentive driver on I-95.

I found out today from progressive insurance (the owner's insurance) that the owner of the car (who has a different name and address than the girl who was driving) had three 'exclusions' on his policy. Of course, one of these excluded people was the girl who was driving.

Progressive now claims that there is questionable insurance, and that most likely, their insurance will not cover the damages incurred in the four-car accident that this girl caused, because of the exclusion.

I do not know how/where it can go from here. If the insurance company claims no liability and refuses to pay, then I guess I (and the other three) have to go after the girl who was driving and the owner of the car. I guess the car was technically 'stolen' if she was excluded from insurance coverage on that vehicle, and if not, then there was implied aggreeance on part of the owner to allow the girl to drive the car and thus there should have been no exclusion.

I am getting really sick of this, and afraid that I will soon be looking at getting nothing or next to nothing for my damages, time and effort. Chances are the 20 year old girl and the car owner have no or next to no assets.

SO, does anyone have any advice or comment on the situation? I am doing as much research as I can, but arent getting too far. This is now an interstate case, and I assume there is some federal jurisdiction, although I cannot find out who the jursidiction is.

Any words would be appreciated.

Thanks,

JMH

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Current Diesels:
1981 240D (73K)
1982 300CD (169k)
1985 190D (169k)
1991 350SD (116k)
1991 350SD (206k)
1991 300D (228k)
1996 Dodge Ram CTD (442k)
1996 Dodge Ram CTD (267k)

Past Diesels:
1983 300D (228K), 1985 300D (233K), 1993 300D 2.5T (338k), 1993 300SD (291k)