my car was just hit in front of my house, while parked. The front left fender was dented and the left corner light was busted with the headlight and part of the front bumper. All i have is liability, which wont cover that . What do i do?
2006-12-08 10:15:47 · 8 answers · asked by complexc25 2 in Cars & Transportation ➔ Insurance & Registration
CALL the Police right now -- REPORT the Hit and Run Accident, and DO file the complaint. Take Photos -- and let the police investigate after that -- they will note the damage on your vehicle -- the color of paint that the vehicle which hit your car was (it left evidence on your car), and will start by sending out notices to local repair shops to look for vehicles with matching damage of that color in the local area.
2006-12-08 10:24:51 · answer #1 · answered by sglmom 7 · 0⤊ 0⤋
I'm assuming it was hit and run- but if it wasn't then you should make a claim with the other person's insurance and have them handle it.
Report it to your insurance company anyway. They will tell you if there is uninsured motorist property damage coverage for you to use. Some states offer it, some don't. Make sure you report it to the police. Otherwise, with liability only and if there's no UMPD available to you, you'll have to pay for the repairs out of pocket.
2006-12-08 12:15:14 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
Get on the phone and start calling body shops.
When body shops write an estimate, they all use "book" rates and prices because they know insurance companies are required to pay according to industry standard terms.
Explain to them that there is no insurance involved and you aren't at the top of the economic food chain but need to get your car repaired.
Eventually you'll find a shop that will fix it at a "thumbnail" rate.
2006-12-08 10:26:06 · answer #3 · answered by Anonymous · 0⤊ 0⤋
In the ideal world- yes the police would do everything the first person mentioned. Does it happen? Absolutely not - they will take the report, note their were no witnesses or suspects- and drop the case.
If you do not have any coverage for your own vehicle as you suspect- you are out of luck. Nothing more to it.
2006-12-08 11:30:06 · answer #4 · answered by Anonymous · 0⤊ 0⤋
How some time past did you purchase the vehicle? have you ever had any substantial maintenance achieved to the vehicle interior the previous few months? in case you had substantial artwork achieved, that would desire to be taken into consideration whilst the cost of the vehicle is desperate. deliver me a message with the year, make, form, trim point and mileage and that i will analyze the certainly value of the vehicle and attempt to grant you some suggestion to apply in negotiations with the below the effect of alcohol's coverage employer! they might desire to additionally be finding out to purchase a apartment automobile for you till they settle the declare! EDIT: The towing and storage costs should not be deducted from the contract. they might desire to be paid with the help of the coverage employer as nicely to the cost of your vehicle. do no longer ignore to characteristic the cost of tax and identify for the replace value, they're answerable for that still!
2016-10-14 07:20:24 · answer #5 · answered by ? 4 · 0⤊ 0⤋
See if anyone noticed the accident. Otherwise, you just have to fix it yourself since you didn't buy insurance to cover this.
2006-12-08 10:24:33 · answer #6 · answered by Plasmapuppy 7 · 0⤊ 0⤋
If you didn't get the info off the car that hit you - nothing. You will have to pay your deductible....
2006-12-08 10:25:36 · answer #7 · answered by Tina B 3 · 0⤊ 0⤋
call the police get a report! take pictures!
2006-12-08 10:32:03 · answer #8 · answered by paulbaby 3 · 0⤊ 0⤋