if someone hits your car bumper and causes damage and speeds away, what can you do for insurance? anyone know?

Answer 1

If you have any information on the car and driver turn it into the police. If not file a hit and run report with the police and then file a claim with your insurance company.

Answer 2

Unless you know the person who hit you or you've got a licence plate number or you've got a very good description, it's unlikely you'll get anything from that person's insurance.

Whether you get anything from your insurance depends on (1) if you already have it and have the payments up to date and (2) what kind of coverage you have. The minimal coverage required by law in many places may not cover the damage: it's required so that if YOU hit someone else that THEY get reimbursed.

Call your agent to see if you're covered. If the answer's yes, be glad you bought good coverage. If not, take a look at the policy documents you got from the insurance company (you still have them filed away, right?) to be sure.

Answer 3

If you have full coverage then you will pay the deductible & your insurance company pays the rest.

If you only had liability then, unfortunately, noone pays.

Will my premiums go up if I make an uninsured motorist claim?
No. The only time that your premiums can be raised following an accident is if you were at fault for the accident. If you make a claim on your policy that is based upon the fault of another person, then your rates will not go up.

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Take care,
Ron @ InsureMe

Answer 4

you can first report the accident to the police and provide any details you got about the Hit and Run car/driver. The next thing is to call your insurance broker/agent or the insurance company immediately and report the accident to them. You then get an estimate of repairs from your workshop, add a copy of your drivers licence together with a duly completed claim form from your insurers lodge a claim. If your insurance coverage is Comprehensive then they would repair your vehicle for you or at worst replace it for you if its a total write-off. In this case they will take out a deductible or an excess as included in the policy before sttling your claim. In the case of a write-off you will contribute theexcess or dedcutible to make up for the total cost of the replacement car. If u had exercised the option of buying out the excess/deductible in which case u would have been charged additional premium, then they simply have to pay up everything.

If the police can reach the hit-and-run, apart from charging him on behalf of the state for criminal and negligent behaviour, you can also charge hin in civil court for causing you anguish, inconvenience, pain and suffering and the insurance company can press their subrogation rights on the hit-and-run's insurance company in whixh case you should not use your "No Claims Discount' in the succeeding years.

In any case you should always buy your insurance through a Broker. Its at no extra cost to you and you do not have the hassle or running around and stressing yourself in the unfortunate andfortutious event of and accident.

Answer 5

Valves do not purely 'pop'. both you need to be quite pushing the engine puzzling or force without oil. Or i'd anticipate that it would want to pop if she were hit quite puzzling with the aid of you and the impact might want to have yanked the engine round. yet that looks hardly the case the following. purely because you informed her you may want to pay for the damages does no longer mean that each body that change into incorrect with the motorized vehicle will be fastened, purely those that got here from the coincidence. If she insists that the valve popped because of the coincidence, have your coverage agency get easily evidence, optimistically from an purpose third celebration, that a fender bender that brought about some minor scuffs on a rear bumper might want to also reason $2500 in harm. BTW, did she element out that the 'popped valve' destroyed an entire engine, because to me, $2500 might want to seem able to purchase an entire new engine for a sparkling Civic, and also you stated that the motorized vehicle appeared to be nicely worth a lot less to commence with. Get your coverage agency in contact. It does no longer mean that this can stay all superb and chuffed, yet she looks to have taken income of your politeness.

Answer 6

if you happened to get the persons tag number turn it in, you should of called the police right then and not moved the car....hopefully you did...because if you report it now you can get a ticket for leaveing the scene just as the other person did...but there wouldve have to been a police report before you can file it on you insurance

Answer 7

If you have regular insurance then you should be covered, I have a clause, "parking lot" accidents of unknown source.

Answer 8

Nothing. You pay the deductable and the insurance company pays the rest. If its less than the deductable you are out of luck.
You pay for all of it.