hey guys please help!! my car get hit while it was parked a couple days ago i have adjectives the infomations of the other party. i called my insurance company they told me i enjoy a choice to choose my insurance to handle this claim or the other party's insurance to handle it. i dont know, so i chose the other insurance company to pedal.. i called them today, they told me they cannot give me any answer right immediately because this person might not have coverage for this claim.. if he really doesnt hold coverage.. what should i do? so that means i have to use my own insurance to cover the repair interfere with? then do i have to settle up anything if i use my insurance for the damage?? T.T
If they don't own coverage, then your insurance will have to fix it. It will probably travel under your underinsured/uninsured coverage if you have it. You'll hold to talk with your insurance company to find out what that does or doesn't cover.
you inevitability to get a police report
If they don't own coverage, then your insurance will have to fix it. It will probably travel under your underinsured/uninsured coverage if you have it. You'll hold to talk with your insurance company to find out what that does or doesn't cover.
The other soul has insurance, obviously, you get their companys information and called them and they did not deny he was a client. What they are doing is giving you the run around so they do not own to pay. Normally, what you would do is have your sports car repaired and paid for by your insurance company then your insurance company go and makes a claim against theirs. A police report would help, but may not be required. If they are uninsured, in attendance is no-fault in most states and your insurance company will cover your loss even if its not your fault. You will be required to reimburse the deductable stated in your policy and if your insurance company successfully claims their company they should get your deductable stern for you. If they are uninsured you are out only your deductable.
Your insurance company should be the people to look after your repairs and collect whatever they are due from the other person's insurance. If within was a police report, be sure to file it beside your insurance company.
Answers: You are not at-fault for this accident. You go third party against the at fault driver. The insurance company told you that at hand may be no coverage. It is possible that their so-called insured failed to pay his premium, and be cancelled. It could also be, that they need to "confirm" that their insured has coverage. Not adjectives insurance companies have automated systems that can verify coverage immediately. It may purloin a day or two.
I would suggest that you go through your own Collision Coverage. You may obligation to pay your deductible depending on your policy and the state you reside. Your insurance company will attempt to recover the monies rewarded out to you from the other guy or his insurance company(assuming he is insured). This process is called subrogation. If you have to recompense your deductible, they will ask for this back as well. It may lug some time.
Not all states have Uninsured PD coverage as somebody mentioned, and somebody else mentions "No-Fault" coverage. That does not apply to the smash up to your vehicle. It covers you for your meds/lost wages. Not all states mandate this coverage either.
you inevitability to get a police report
seem like you own answered your own questions. yes, you will have to any use your own insurance if the party does not have valid insurance or you can out of pocket the expense yourself. You can wallet under your uninsured motorist and it should cover everything. Once all is taken trouble of then your insurance company will probably go after the other paryt who initially cause the damage.
seem like you own answered your own questions. yes, you will have to any use your own insurance if the party does not have valid insurance or you can out of pocket the expense yourself. You can wallet under your uninsured motorist and it should cover everything. Once all is taken trouble of then your insurance company will probably go after the other paryt who initially cause the damage.
The other soul has insurance, obviously, you get their companys information and called them and they did not deny he was a client. What they are doing is giving you the run around so they do not own to pay. Normally, what you would do is have your sports car repaired and paid for by your insurance company then your insurance company go and makes a claim against theirs. A police report would help, but may not be required. If they are uninsured, in attendance is no-fault in most states and your insurance company will cover your loss even if its not your fault. You will be required to reimburse the deductable stated in your policy and if your insurance company successfully claims their company they should get your deductable stern for you. If they are uninsured you are out only your deductable.
Your insurance company should be the people to look after your repairs and collect whatever they are due from the other person's insurance. If within was a police report, be sure to file it beside your insurance company.
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you should get it repairedIf they don't own coverage, then your insurance will have to fix it. It will probably travel under your underinsured/uninsured coverage if you have it. You'll hold to talk with your insurance company to find out what that does or doesn't cover.
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you inevitability to get a police report
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If they don't own coverage, then your insurance will have to fix it. It will probably travel under your underinsured/uninsured coverage if you have it. You'll hold to talk with your insurance company to find out what that does or doesn't cover.
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The other party's insurance should pay for it (stay on them), if that doesn;t work the other participant should pay for the repair. If that still doesn't work, you can take him to small claims court (not worth the hassle within my opinion) or use your own insurance. You would have to be responsible for your deductible and your premiums might go up depending on the cost of the repair.The other soul has insurance, obviously, you get their companys information and called them and they did not deny he was a client. What they are doing is giving you the run around so they do not own to pay. Normally, what you would do is have your sports car repaired and paid for by your insurance company then your insurance company go and makes a claim against theirs. A police report would help, but may not be required. If they are uninsured, in attendance is no-fault in most states and your insurance company will cover your loss even if its not your fault. You will be required to reimburse the deductable stated in your policy and if your insurance company successfully claims their company they should get your deductable stern for you. If they are uninsured you are out only your deductable.
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Your insurance company should be the people to look after your repairs and collect whatever they are due from the other person's insurance. If within was a police report, be sure to file it beside your insurance company.
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Answers: You are not at-fault for this accident. You go third party against the at fault driver. The insurance company told you that at hand may be no coverage. It is possible that their so-called insured failed to pay his premium, and be cancelled. It could also be, that they need to "confirm" that their insured has coverage. Not adjectives insurance companies have automated systems that can verify coverage immediately. It may purloin a day or two.
I would suggest that you go through your own Collision Coverage. You may obligation to pay your deductible depending on your policy and the state you reside. Your insurance company will attempt to recover the monies rewarded out to you from the other guy or his insurance company(assuming he is insured). This process is called subrogation. If you have to recompense your deductible, they will ask for this back as well. It may lug some time.
Not all states have Uninsured PD coverage as somebody mentioned, and somebody else mentions "No-Fault" coverage. That does not apply to the smash up to your vehicle. It covers you for your meds/lost wages. Not all states mandate this coverage either.
you inevitability to get a police report
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seem like you own answered your own questions. yes, you will have to any use your own insurance if the party does not have valid insurance or you can out of pocket the expense yourself. You can wallet under your uninsured motorist and it should cover everything. Once all is taken trouble of then your insurance company will probably go after the other paryt who initially cause the damage.
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What kind of insurance does someone have that might not cover them for hitting a parked coup¨¦? My suggestion is to contact a lawyer...most lawyers do not charge a charge unless they get you money for a case close to this, so it won;t cost anything to ask.seem like you own answered your own questions. yes, you will have to any use your own insurance if the party does not have valid insurance or you can out of pocket the expense yourself. You can wallet under your uninsured motorist and it should cover everything. Once all is taken trouble of then your insurance company will probably go after the other paryt who initially cause the damage.
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The other soul has insurance, obviously, you get their companys information and called them and they did not deny he was a client. What they are doing is giving you the run around so they do not own to pay. Normally, what you would do is have your sports car repaired and paid for by your insurance company then your insurance company go and makes a claim against theirs. A police report would help, but may not be required. If they are uninsured, in attendance is no-fault in most states and your insurance company will cover your loss even if its not your fault. You will be required to reimburse the deductable stated in your policy and if your insurance company successfully claims their company they should get your deductable stern for you. If they are uninsured you are out only your deductable.
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If the other event doesn't have insurance, notify your company and have them repair it. You'll owe your deductible, but it's better than riding around next to a dented car. (Either way, you'd owe your deductible, but if the other knees-up pays for it, you would get your deductible back; if they don't hold coverage, you won't.)Your insurance company should be the people to look after your repairs and collect whatever they are due from the other person's insurance. If within was a police report, be sure to file it beside your insurance company.
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