I was involved in a hit and run, but am not on the insurance...what will happen?

Question

I was involved in a hit and run (I was the victim). One of the witness (thank god!) followed this individual while calling the police so they eventually caught him or her. He or she got arrested and most likely is out on bail. I'm not covered under the insurance-only my dad is. The car is under both of our names though. I have contacted the insurance and they should get a hold of me sometime tomorrow. Anyhow, the car is 2005 toyota camry with only 8000 miles on it. I still owe $16000. The car no longer works my whole transmission is wrecked. Basically it's a piece of junk! I don't want to keep paying for a car that I'll no longer be able to drive. I mean I have a feeling the insurance it's not gonna want to pay! Should I press charges against this indiviual or let the insurance take care of it? I do not care what happens to he or she I just want my car paid off! I have no information on the indiviual (illegal, uninsured, etc.) All I know is that someone is going to pay for my car. CA

I have Mercury Ins and yes I am excluded, but my name and dob are incorrect! hehe. Well if my ins doesnt want to pay I am going to have to press charges and I was trying to avoid that. Is it a big offence a hit and run in CALIFORNIA? because the officer sounded pretty angry at that person....

Answer 1

The person who hit you should be paying for your medical and your Dad's car. However, if the other person hit and run, most likely he had no insurance. I would consider contacting a lawyer. Don't lie or try to beef up any injuries you may have because you can cause yourself to have a bad time rather than blessings.

Answer 2

The concern is that you said you are a co owner of the vehicle. Therefore, you must be rated as a driver or excluded meaning that you are specifically not covered as a driver that your dad signed. This could cause a denial of the claim because of the exclusion. Have your dad review his policy. If the guy that hit you is illegal and has no insurance this may cause a bind on both ends. This is why people can't cut corners of an insurance policy to save money. We all know insurance is expensive but hey now you may be paying on a vehicle and cost of repairs to save those "expensive rates" when you first decided not to be on the policy. Sorry to be up front like this; but, i see parents try to do this all the time. Insurance is a "gamble". We may never get into an accident. But, more and likely some idiot is going to hit which you cannot defend. Be properly insured :)

** Now not to use this as a crutch. But, I have had a few of my carriers pay a claim like this. BUT, they required for the child to bve endorsed onto the policy to start collecting premiums for what they just paid. Throw this onto the table if they try to deny your claim.

Answer 3

Hit and Run is a bog offense and you can take the other driver to court.
If he didn't have insurance, then likely you're only recourse will be through the courts as you were an excluded driver (why were you drving a car that you had been excluded from?).
An option, though it's probably too late to do so now, would have been to have your father report the car as stolen. After the car had been "recovered," your comprehensive coverage would have applied.
I am suprised that your lein holder allowed you to be excluded if you are a named person on the paperwork.

Answer 4

Unless you are EXCLUDED from the policy your ins should pay for the loss. Insurance follows the car in all but the most rare of cases. Read your policy -- if you, by name, are listed as an excluded driver, you are screwed.
Hint: give the insurance co. a chance before you wig-out. They have NOTHING to gain by not paying a claim they owe. I only hope you have a reputible company because you really DO get what you pay for.

Answer 5

Calm down, don't panic,pay attention--If you were the victim (not at fault), you have nothing to worry about. The person at fault will have his or her insurance company pay for damages.In the event the person at fault doesn't have insurance, your dad's insurance company will pay under the uninsured/under insured part of his policy. Relax and keep good financial records on the effect of the incident on your life so you can be properly reimbursed for your hardship. Your dad should get instructions from his insurance company on how to proceed. So far as you not being on the policy with your dad-- you are covered if you had his permission to drive the car.

Answer 6

Your dad's insurance company is likely not going to pay anything because you are an unauthorized driver who was driving at the time of the accident.

Now if the other driver is at fault for the hit-and-run, then yes, you can sue that driver for damages to your car....and if that person has insurance, that company could be paying for the damages also.

But as far as your dad's insurance paying, you are pretty much out of luck.

Answer 7

with the aid of fact no person exchange into heavily injured or killed it may purely be a misdemeanor hit and run (you do no longer ought to hit yet another individual). For using with passengers and using after 11 on a provisional license you will get community service or a small effective. do no longer situation too plenty approximately that one. in case you get charged with hit and run and/or reckless using, the effects for that is plenty extra severe. each and each contains an exceptional and/or potential penal complex time and a pair of factors on your checklist. In CA, being below 21 and blowing a nil.01 can nevertheless get you a suspended license. no longer something you probably did could be in all risk be seen a criminal, yet reckoning on what precisely you're charged with, this is recommended to contemplate a lawyer.

Answer 8

When I had my accident (I was not at fault), the other driver was apparently driving her boyfriend's car. He had one insurance company; she had another. The boyfriend's insurance company wound up paying.

I would say that since the other driver is at fault, they should be responsible. Running doesn't necessarily mean they didn't have insurance; they could have been trying to avoid being cited for anything.

Answer 9

Most insurance will cover a liceansed driver. Yess go after that other guy any way you can. Did he have insurance? If yes his insurance should cover the damage and sue the guy for the loss!!

Answer 10

In Ohio, your license will be suspended until you can prove you have minimum insurance coverage.