I'm in Texas and my insurance will not cover it.
2006-06-27 07:47:56 · 6 answers · asked by Mandi H 2 in Cars & Transportation ➔ Insurance & Registration
If you have collision coverage, you can use your own insurance, and the insurance company will pursue the responsible party directly. They can even have a judgement placed against the person if they refuse to pay the insurance company. They can also have their license suspended in some states. I'm not sure about Texas. Whatever money the insurance company recovers back, the first money that comes back, ( let's say the other person only pays 50% of what they actually owed for all of the damages, ) The insurance company is required to give the first money back to you up to your deductible.
**But, if you don't have collision coverage or uninsured motorist coverage on your auto policy you will have to try to pursue the person by yourself... and that is difficult to do.
That's why you should always have uninsured motorist coverage, because so many people don't have insurance and still continue to drive badly and cause accidents.
2006-06-27 17:14:49 · answer #1 · answered by Pucci88 2 · 3⤊ 0⤋
I agree with the SOL one. I had a guy hit my car, did over $2000 in damage, no insurance, took him to small claims court and won, then found out that even if you win you have to go after the guy for money. In the meantime my car is smashed, if he didn't pay me originally do you really think he will now? You can get a lawyer, but they take a chunk of the money if they manage to collect and you still have a busted car.
2006-06-27 07:58:33 · answer #2 · answered by banshee 4 · 0⤊ 0⤋
You are SOL. You have to pay to fix your car yourself. If you want to avoid this in the future you can buy coverage called "uninsured motorist" which will cover you if someone who is uninsured hits you. This happened to me. The cops were very uninterested in helping us get the guy to pay. Legally you could try to go after the person in court and garnish their wages but it wasn't worth it for us. And the guilty person kept changing temp jobs (and we found you had to go back to court each time he changed jobs). I am in oklahoma so the laws might not be exactly the same. Life isn't fair. When one person doesn't follow the insurance rules, it impacts and hurts others.
2006-06-27 07:51:45 · answer #3 · answered by BonesofaTeacher 7 · 0⤊ 0⤋
Why won't your insurance cover it? Why do you pay them? I would pressure your carrier.
Many states have unisured motorist claims funded through the state, check and see if Texas does
2006-06-27 07:52:59 · answer #4 · answered by Anonymous · 0⤊ 0⤋
wow that sucks, in cali if an accident happens and the cops show up and u have insurance by law the insurance company has to go after that indivisual.
2006-06-27 08:54:35 · answer #5 · answered by jmg559 2 · 0⤊ 0⤋
Sue the PERSON.
2006-06-27 07:51:24 · answer #6 · answered by amylr620 5 · 0⤊ 0⤋