Hit by an Uninsured Driver!?
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Hit by an Uninsured Driver!?
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Ok, on Monday Feb. 23rd 2009, I was out of town on Vacation, I lent my girlfriend my car while I was out, she is 25 and had full permission to use the vehicle(2008 civic coupe)
She was at a local applebees restaurant parked when a ford f-150 reversed into her causing severe damage to my door.
Now I have full coverage all state insurance. The young man the struck my car stated at the time he had insurance but as he just bought the vehicle, the insurance is still under the previous owners name. The police were called, but since this was on private property and there were no injuries they refused to go to the scene.
I have since got an estimate for $1374.95 worth in repairs. I have contacted the young man and he is not returning my calls, nor my text messages. The day of the accident he called me and explained that he would rather pay out of pocket and not get the insurance companies involved...
Now that im stuck with this bill, what should I do?
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♥*♥I love my little munchkin♥*♥
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Take him to small claims court. Other than that, you will probably never get your money. |
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☺ Aloha Samo ☻
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If you need an aggressive lawyer see http://locate-power-of-attorney.info
check out their FAQ to understand how they operate :) |
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oklatom
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Since you have full coverage insurance coverage, you start repairs using your policy and pay whatever deductible there is out of pocket. Your insurance collects what they are out from the at fault party, and collects and returns your deductible to you. |
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Dana R
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Since you say you have full coverage, does that include uninsured motorists coverage as well? It should. If that's the case then just call your insurance company and they will cover everything. Make sure you go to the DMV and fill out a form that states that he was uninsured. I hope you got all of his contact information. If you didn't it's going to be hard to fight it. Good luck! |
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Best answer usually the simplest
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The cops copped out on this. Your girlfriend should have got his insurance information regardless. His, the other owners whatever. Then present the whole kitten cabboodle to the insurance company. Seems to me he has no insurance. So present it to your own insurance company and see what they can do. The fact is how is she able to get all this information about the other vehicle unless " some accident occurred". Otherwise you are chasing after him and he could tell you to "P" off and ignore it.
He can't ignore his insurance company when they bill him as his insurance will be more costly. His fault. He is gonna pay one way or another. You don't care because he doesn't.
It happened to me and my insurance took it out of their house insurance...so it can be done. No cost to me and my car got fixed. |
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StephenWeinstein
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The best option is probably to accept his offer of an out-of-pocket payment.
Another option is to file a claim with your insurance company (full coverage usually includes some coverage for damage done by uninsured or underinsured drivers). They might sue him, they might obtain the money from the insurance company that insured the vehicle he was driving, or they might just eat the loss ($1374.95 is not a lot for a company of that size).
If you have the name of the insurance company that insured his vehicle (the F-150), you could contact them and ask them to pay you.
If you have the name, address, etc., of the man (driving the Ford), you could sue him yourself, but that requires a substantial amount of time and your insurance company has more experience at filing lawsuits than you do. |
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qumbyrhcp
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Your only option since there is no police report is take it to small claims court. Take lots of pictures and have a witness if you can. |
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John H
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You should call your own insurance company and let them protect you. Always call your insurance |
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Star Dust
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If he's not returning your calls, contact your insurers and let them deal with it. You can also get one of those no win no pay lawyers and let them deal with it.
In the meantime your insurers will fix your car. |
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