I have just recently filed a claim on my insurance (uninsured motorist). My truck was totaled at $23K. Last night a drunk driver hit the car parked next to mine, totaled that one and in turn that car wrecked my truck. The drunk driver totaled his camero and ran off last night without being identified. More than likely he will be identified, but I assume that he does not have insurance. I dont want to file another claim because I assume my insurance will stick it to me hard. What can be done either through legalities or other car insurances?
2007-12-17 10:47:18 · 6 answers · asked by Lance 1 in Cars & Transportation ➔ Insurance & Registration
i used to be a claim adjuster. If you have collision on your own policy, your insurance should cover your damage, and record this file as "third party hit and run". It's up to the insurance company to go after the drunk driver for the money back. You're not at fault in this case, so your premium for next year will NOT go up. But you should go get a police report as soon as possible if the damage is over 1000.
2007-12-17 11:17:43 · answer #1 · answered by mnmnmmnnmnmn 2 · 3⤊ 0⤋
If the car that caused the damage can be located - you can file a claim against that person's insurance company.
You can't sue someone if you don't know who they are.
Your only option is to file a claim against your insurance policy or suck it up and take the financial hit out of pocket. Your agent my be able to give you an idea of how an insurance claim would affect your rates.
2007-12-17 12:01:30 · answer #2 · answered by Boots 7 · 0⤊ 0⤋
Well, the other car isn't at fault for the accident. If this guy has no insurance (I agree with you, it's not likely), then the ONLY option is to sue him. You'll likely get the judgement, in six months or so, but you'll ALSO likely not get any money.
This is another uninsured motorist property damage claim, if your state has that coverage, or a collision claim, if they don't.
2007-12-18 02:42:34 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
analyze fees for unfastened at - INSURERATESNOW.info- RE motor vehicle coverage subject? i might desire to renew my motor vehicle coverage interior here couple of days yet i'm additionally shifting to a clean handle in under 3 weeks time. This new handle promises me plenty extra low-priced motor vehicle coverage. i do no longer use my motor vehicle plenty and can do devoid of making use of it worried with 3 weeks. no count if it fairly is parked on the line and completely taxed is it a criminal requirement to insure the motor vehicle even no count if it fairly is not any longer used. i can stay with it being stolen or broken yet i does no longer desire to be fined for being uninsured. the only subject with insuring the motor vehicle under my present day postcode is that i'm on the whim of the coverage firms to what decrease cost they supply me while i in my opinion circulate. all the insurers I even have phoned can no longer assure a fastened cost for the hot postcode if I sign up my the coverage under my present day postcode for the 1st 3 weeks. My important concern is to no longer do something unlawful so on the tip of the day it fairly is not any longer fairly worth saving money if i will get in to subject or be fined.
2016-12-18 03:37:14 · answer #4 · answered by Anonymous · 0⤊ 0⤋
It doesn't matter. You have an obligation to notify your insurance carrier of ANY losses (it's in the policy) so don't risk non-renewal or cancellation because that will REALLY get you stuck hard.
2007-12-17 12:12:53 · answer #5 · answered by Anonymous · 1⤊ 0⤋
frst off , get a police report, go to your insurance agent and show it and explain the situation, if he saay's your rates are going to be affected, go to another reputable ins agent. you should not be held responsible, if you were not in the vehicle when it got totaled.
2007-12-17 10:58:12 · answer #6 · answered by phaselman01@snet.net 2 · 0⤊ 1⤋