someone rammed into my car (which was parked outside my house) and they dont have insurance
my insurance only covers liability and not comprehensive
does anyone know how i can resolve this?
i have a police report
2007-09-13 09:22:00 · 12 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
they have insurance but its a Dollar by day insurance which only covers medical emergencies
Also, i had comprehensive and collission coverage but my insurance company removed it without telling me
2007-09-13 09:41:58 · update #1
your only recourse is a law suit or small claims court claim, however, if they had any money they would have had insurance. By the way you should have paid a little more and had more than liability insurance your self.
Sorry, good luck.
2007-09-13 09:31:03 · answer #1 · answered by Jan Luv 7 · 1⤊ 1⤋
First off, I don't think it is legal for your insurance company to remove anything from your policy without prior notice to you and with your approval.
Second, get at least 2 or 3 estimates and be prepared to go to small claims court. Depending on the damage done to your vehicle.
If you think that your insurance company removed certain things from your policy I would contact an attorney and find out if they have a legal right to do that.
Good Luck
2007-09-17 05:46:14 · answer #2 · answered by joyce m 2 · 0⤊ 0⤋
I don't know where you live but I have never heard of that type insurance. Most States require at least liability insurance. Time to go to court. Am not aware of an insurance company that drops coverage unless you don't pay for it.
2007-09-13 09:51:42 · answer #3 · answered by sensible_man 7 · 0⤊ 0⤋
To begin with, your insurance can't remove coverage from your policy without notifying you, so something is not right there and needs to be investigated. Contact your agent and find how when, why, and how the collision was taken off.
But, the people who hit you owe you the cost of repairs whether or not they have insurance. So get an estimate of the costs to fix your car, and send them a bill. If they refuse to pay it, you may have to take them to court.
2007-09-13 10:20:08 · answer #4 · answered by oklatom 7 · 2⤊ 0⤋
You have to sue the liable party in small claims court if they don't pay for your repairs. Get a few estimates and give copies to the person and see if they do the right thing. Do this by certified mail, giving them X amount of time to comply, so you have proof for the court that you notified them of the repair costs in the event you need to sue them. If they don't follow through, contact whatever court handles small claims in your city or county - the clerk can advise you what to do to get the process started.
2007-09-13 09:34:23 · answer #5 · answered by Anonymous · 0⤊ 0⤋
If they refuse to pay it themselves, you will probably have to take them to small claims court. My advise to you would be to get 2 or 3 estimates (don't go to the cheapest place around for estimates, go to the cheapest place around when it's actually time for the repair work!.) When you have to go to court, bring your 2 highest estimates and the police report. But bear in mind that getting a judgment in your favor does not guarantee payment. You still have to actually get the money. If they don't pay within a certain period, you have to go back to court for a wage garnishment.
If the repairs are a couple hundred dollars, I don't have enough time on my hands to take off for all that. Hopefully you have more time or aren't as lazy as I am!
2007-09-13 09:33:14 · answer #6 · answered by _scarlet_begonia 5 · 0⤊ 0⤋
Get an estimate on the damage to your car and if they refuse to pay it take them to court and let the judge decide. I hope its option a for you though. Good Luck
2007-09-13 16:24:10 · answer #7 · answered by ? 5 · 0⤊ 0⤋
Sue for property damage. File a complaint in district court on the charge of damage to personal property.
2007-09-13 09:30:43 · answer #8 · answered by ToolManJobber 6 · 0⤊ 0⤋
Small claims court is a big joke. If you win, you have to collect on your own with an award from the court. How do you collect if they don't have it to pay or if they refuse? Good luck!
2007-09-13 10:01:47 · answer #9 · answered by carl l 4 · 0⤊ 0⤋
the only thing i can add to the others;
call your insurance company and add back the collision and comprehensive to your policy; it wont do you any good for this accident, but at least if something else happens, then you will be covered;
also; if your state allows;
add uninsured/underinsured bodily injury and property damage;
this pays for someone who injures you or any passenger, or does damage to your auto if they are uninsured;
2007-09-13 09:48:42 · answer #10 · answered by lucy 7 · 0⤊ 0⤋