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Insurance won't cover my accident! What can I do?
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Insurance won't cover my accident! What can I do?

I was intoxicated one night when someone offered to drive my car home for me. I did not know the person. On the way home he ended up rolling my vehicle and fled the scene. There were witnesses seeing him flee and it is in the police report as well but the insurance company is telling me they may not cover it because they do not have the drivers name. Is this a legitimate threat or is there some way I can fight it?


    




ronald h
That's a threat. The driver was witnessed leaving the scene of the accident which is a felony and you have a police report to prove it. The driver was a permissive driver. They will have to either pay the claim or perhaps be faced with a private treble damage suite if you are lucky enough to be in a state that has these laws.r


Howard L
Perfectly legal. If they don't know who was driving they can't know if he had a license. If you read your insurance policy it will say that only legally licensed drivers are insured. Your lucky he only wrecked your car. If he injured or killed someone you could have lost everything you own.


Marc
You mention they say that it "may not" cover the damages. That does not mean "will not". Talk to your friend and the insurance company to see if you can get this straightened out. He may have been injured, panicked and that was why he left. Good luck.


oklatom
Rating
It's not a threat, it's a statement of fact. Do you have collision coverage? If so they may cover it, less any deductible amount of course. If you don't have collision they won't. If you gave some random stranger permission to drive your car said random stranger was covered under your policy, but since they are responsible for damage to your car, insurance has an absolute right to contact that person to get their losses back. Apparently you can't supply them with a name, let alone an address, of the person you allowed to drive. A police report showing an unknown unidentified person fled the scene will not help you.





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