Listmates: This is a situation under which California law would apply.
Fault-free driver suffers major injuries in auto accident (broken arms, legs,
thighs, crushed knee, 6 surgeries, 9 months of rehab thus far, loss of
earnings, etc., etc.). Adverse driver is uninsured. Mr. Fault-free has
30/60 UM and, of course, pops the policy. Mr. Fault-Free's roommate of
several years has 300,000 UM. Mr. Fault-Free and his roommate have separate
auto policies for their individual cars. However, to my knowledge,
Mr.Fault-Free is not an excluded driver on roommate's policy. Is the
roommate's 300K UM policy available to Mr. Fault-Free even though Mr.
Fault-Free was driving his (Mr. Fault-Free's) own car? Thanks in
advance.=====Warm regards, Lowell Steiger, Attorney at Law 8383 Wilshire
Blvd., #830 Beverly Hills, California 90211 (323) 852-1100 voice (323)