If you have an auto accident, the other person hits you, it’s his fault, he drives away and you don’t see the license plate, how does the auto insurance work? You are injured and your care is damaged. Who pays for the damages?
2006-11-07 11:10:09 · 10 answers · asked by Kay 1 in Cars & Transportation ➔ Insurance & Registration
You have to file for your vehicle damage under your collision coverage, and if there is uninsured motorist property damage coverage available that might apply. Most states require you file a police report to use uninsured motorist coverage for property damage or for bodily injury. You need to report it and your carrier will tell you how the process works.
2006-11-07 12:05:07 · answer #1 · answered by Chris 5 · 2⤊ 0⤋
1) you do not need a lawyer right away 2) It is too early to even think about settling now. Most ethical insurers and lawyers won't settle for at least 6 months after an accident. You could be more seriously injured than you think, and some things don't appear until later. Hopefully you've had xrays. 3) If the other insurer is trying to settle for pain and suffering for $275, they're just trying to get rid of you early. 4) Wait a few months to see how you feel. You'll likely have had more of a medical paper trail to present to the insurer. Then, you can present a case to them, and NEGOTIATE. 5) If you can settle with the insurer directly, you will likely make around the same amount of money anyway, and hot have to pay a lawyer a 30%+++ fee from any settlement. And, speaking from experience, as an adjuster, I'd much rather deal directly with a claimant and give them more money than deal with a lawyer. 6) If negotiations are not going well, and you've done all you can, then go see a laywer...or...a paralegal. But either way, since it sounds like this is just soft tissue, and no fractures, etc, don't go to a high profile lawyer. You may be able to get the same results with some young, cheaper lawyer. good luck.
2016-05-22 08:49:52 · answer #2 · answered by Anonymous · 0⤊ 0⤋
1
2016-09-25 03:01:34 · answer #3 · answered by ? 3 · 0⤊ 0⤋
This all depends on the coverages you have on your insurance policy. If you have collision coverage on your vehicle-you should only have to pay your deductible. Also if you have medical coverage (called med pay, on most policies) this should pay toward your medical bills. And if your have uninsured motorist or under-insured motorist coverage-this should pay for time off work and medical bills. Just keep in mind a insurance policy is never going to pay more than limits of coverages.
2006-11-15 02:11:50 · answer #4 · answered by aufans71 2 · 0⤊ 0⤋
You are a victim of a hit and run accident. If you have only liability insurance that covers what you damage with your vehicle, you are not covered. If you have collision you are covered, less your deductible. If you have uninsured motorist coverage, you are probably covered. Read your policy.
2006-11-07 12:30:16 · answer #5 · answered by oklatom 7 · 0⤊ 0⤋
It's considered hit and run, and your insurance would cover it, if you have more than liability.
2006-11-07 11:11:55 · answer #6 · answered by Anonymous · 1⤊ 0⤋
If you have full coverage insurance your insurance company will pay for it (but you will have to pay your premium) - but if you only have liability then you have to pay for it yourself.
2006-11-07 11:11:45 · answer #7 · answered by Anonymous · 0⤊ 1⤋
Your insurance pays you.
2006-11-14 19:25:20 · answer #8 · answered by Lou S 2 · 0⤊ 0⤋
Hopefully you have uninsured motorist coverage.
2006-11-07 11:11:35 · answer #9 · answered by Kevin P 3 · 0⤊ 0⤋
What Chris said.
2006-11-07 12:13:29 · answer #10 · answered by Anonymous · 0⤊ 0⤋