How do I get reimbursed for damages?
2007-05-20 06:34:32 · 9 answers · asked by Anonymous in Politics & Government ➔ Law & Ethics
I do have coverage for uninsured motorists. I had been in the works for getting a new car on Monday. What should I do? Repair it first or take it in as is? Damage is to rear bumper, fiberglass is cracked.
2007-05-20 07:04:12 · update #1
Report the accident to your insurance company. They have to cover you and they will then seek damages (maybe) from the other driver - whether or not he has insurance, he has an obligation to pay.
Your insurance company can file a claim against the other driver because of "subrogation" - your policy almost certainly entitles them to seek damages on your behalf. If they collect they may even pay you back your deductible.
This is important because you may begin to show medical injury in a week or two, so get this on record now.
2007-05-20 07:53:53 · answer #1 · answered by Richard of Fort Bend 5 · 0⤊ 0⤋
Well, since you said you were already getting a new car monday.
Were you planning on trading in your old car ?
Had the dealer already gave you a trade in value for the car ?
If so, you will have to see how the damage effects the trade in value.
You need to report it to your insurance anyway, even if you don't want to get your old car fixed.
Plus, when making a claim on the uninsured motorist portion of your policy, it does not affect your insurance rate.
You might be able to get the dealership you are buying your new car, to do the repair on your old car, so get the best trade in value.
Pretty much, unless the guy was driving an expensive car, where you know he has money. You can forget about suing him. It's just not worth the time or trouble.
2007-05-20 15:28:40 · answer #2 · answered by jeeper_peeper321 7 · 0⤊ 0⤋
In most states your insurance company will investigate this accident and find out he has no insurance and report it to the state and then the state will suspend his drivers license and will not reinstate his license until he has made restitution and has it confirmed by the damaged party. It would be wise for you to see an attorney about this.
2007-05-20 13:43:51 · answer #3 · answered by Anonymous · 0⤊ 0⤋
You could run up a big bill trying to sue a person who obviously can't pay car insurance.....
OR...
...you can accept the fact that the guy has already started the ball rolling against him, in that he probably got a hefty ticket he can't pay.... and then turn everything over to YOUR car insurance... I think that, in the long run, this will have been the cheaper (for you) option.
2007-05-20 13:39:21 · answer #4 · answered by scruffycat 7 · 0⤊ 0⤋
hopefully they guy has some assets, to attach after you sue the person in small claims
if no assets check with your state AG office to see if your state has a fund for people like you who a in a car accident but the other party does not have insurance
2007-05-20 13:38:17 · answer #5 · answered by goz1111 7 · 0⤊ 1⤋
Hopefully you have uninsured motorist coverage on your policy.
Otherwise - you're on your own.
2007-05-20 13:37:11 · answer #6 · answered by Anonymous · 1⤊ 1⤋
you will need to file a law suit. probably small claims. since they have no insurance they are probably not going to be excited about paying the court's award either, so you should check into procedure to file for garnishment (of their wages) in order to collect.
2007-05-20 13:38:28 · answer #7 · answered by Anonymous · 0⤊ 1⤋
only if you have uninsured motorists policy
2007-05-20 13:38:27 · answer #8 · answered by skcs11 7 · 0⤊ 1⤋
now is your chance to sew them if they're not insured because it will come out of THEIR wallet pretend your injured
2007-05-20 13:37:38 · answer #9 · answered by GooperGuy 2 · 0⤊ 1⤋