My car was hit I do not know when or where, it has a small dent in the back passanger panel, and a long deep scratch, with some scuff marks around the bumper. I did NOT notice it until today.
I am trying to re-track my steps for the last few days, and the only conclusion I can come up with it must of happened when I was last a the store. If that is the case, I do not want to have my rates go up and my record marked for something I did not do or caused, but at the same time, I have only had my car for only 7 months, and want it fixed. Will it be considered my fault? Will my rates go up? Wendy, your local agent should be able to answer this question for you.
Keep in mind my vehicle was parked in her driveway on private property. I went there because her ex boyfriend was threatening to kill her and she asked me to come over so I did. I had a brand new car that was hit. Can I go after her homeowners insurance to pay for damages or at least go after her homeowners insurance for the diminished value and my deductible? Also my insurance is trying to say that it is considered an accident and not a comprehensive claim.
How is it considered a collision and not a comprehensive claim when my vehicle was parked and I was in the house? When someone hits your car and has no assets or insurance, your only option is to use your own auto insurance policy.
If the person was convicted of a crime, they may be forced to pay restitution, but this can take a long time to collect, if ever. Your accident IS considered a collision claim. Almost any moving object — and certainly any vehicle — that strikes your vehicle is considered collision. The good news is that it sounds like you DO have collision coverage, which should pay the cost to repair your car.
I spent hours replacing my bumper and fixing my bumper cover. Less than three hours later I went outside and someone had backed into my truck. I have liability but I have uninsured under insured motorist coverage.
However my insurance is refusing to pay unless I can find the other person, how should I proceed? In the meanwhile I have put up a flyer asking for info and offering a reward.
Distraught in Rhode Island. In Maine, you need to have collision coverage for the insurance company to repair your car. I know some states feature UM coverage for Property Damage as well.
My understanding is that UMPD covers damage to your car by an uninsured driver, but not a hit-and-run. If they had no insurance, your UMPD might pay. You might want to check into collision coverage for the truck.
It might be more affordable than you think, especially if you choose a higher deductible. My car was parked outside my girlfriends job. Her jobs company vehicle hit my car and does not want to give me their information of their insurance.
What steps can I take to resolve this?? Even just a phone call from the cops can shake loose some information. You would have to pay your collision deductible until they collected back from the at-fault driver or their insurance company. If you have liability insurance, they will pay for it if you report it to them. You can also choose to pay for the damage yourself without involving the insurance company.
No one left a note or anything. All three cars are insured with geico, no police report but both drivers reported it to geico. Because her insurance company insured all 3 cars involved, they should be able to identify the at-fault party. I parked close to his drive way but no where near in blocking his driveway. You were smart to take pictures at the scene. You might check with your city or town to see what the allowable distance is for parking from a driveway.
My car was parked outside my apartment when this girl hit my car and fled. A witness saw it and informed me. I tracked down her car got her tag number and gave it to the officer doing my accident report.. He found the vehicle and traced evidence off it and informed me that vehicle hit my car.
The officer tells me that if convicted she will get a misdemeanor. What can I do to get her insurance information or for her to refund me and my insurance company. I dont kno what to do.. If the other driver had insurance, they may try to collect from her insurance company.
My boyfriends car and 3 other cars were hit in front of our house at 3: She told the police when they arrived that her vehicle was stolen, the weird thing is she was going towards her house and not away from her house, the insurance company is claiming they may not accept liability and we have not heard back from the insurance company for over a month now. What should my next step be?
Hopefully your boyfriend purchased collision coverage on his car. If he did, he should report the claim to his insurance company. My car was hit in my employers parking lot while I was working the girl that hit me did stay and called police they responded as well as the security officers of my employer, I filled a claim with her insurance company and they set me up with a rental car however after they decided to declare it totaled.
They told me I had to return the rental car. Now I have no wheels to get to work and have to wait on them to send me a check in the mail. Insurance companies we work with would pay for the rental until you had the check — and sometimes for a day or two after to allow you time to find another vehicle. Hopefully you got her info at the scene. If so, her insurance company should pay for your damage as well as the car that was between hers and yours.
My daughters car was parked on the street in front of our house when a drunk driver hit it and totaled it. Cops were on scene and took him to jail but he has no insurance.
I am so frustrated. Is there anything I can do? If you purchased your insurance from an agent, ask them for help. You bought collision coverage, which should pay you the fair market value of your car less your deductible.
I got out to see how stuck I was and to see if I could get out. The persons yard this occurred in was the person that called the police. We exchanged info, made police report, etc. Claiming he barely hit me due to no marks on his vehicle. He had a brush guard on front and back of his vehicle. The claim is being passed to special investigations unit bc of it.
What do I do. What if your car is the one that got hit however you dont have insurance and your registration is expired? However it was a hit and run? I was at a friends house, we were leaving in her vehicle and she backed up into my vehicle.
She told me that I can go through my insurance and say that i was parked and it was a hit and run. Is this a good idea? Aaron, if the police responded, the officer should have made a report.
Hopefully that backs up your story. Your local agent can help you with this process. I think you know the answer to this one. My car was parked and was totalled by someone under the influence they were caught after trying to flee and gave insurance info that said valid ins.
But after trying to locate this imaginary ins CO. All attempts have failed to find out who this person is issued with in order to file my claim…..
If the person was charged, you can try to seek restitution through the courts. If you purchased collision coverage on your auto insurance policy, your insurer will pay the repair costs minus your deductible. I just bought a car yesterday morning and put about 40 miles on it to go from dealership to my sisters. I parked my new mini cooper 4 door and when I came out at night my car was hit when parked and was moved at least 6 ft back!
The alignment is def off and worried about the brakes as this was moved with the e-brake engaged. The front is smashed but car is def not totaled. What can I do? This is a new car. I called my insurance company and they can just repair it. The person left there all there info insurance, drivers license and a note saying they hit my car.
Is there anyway to get a brand new mini cooper instead since this was fresh of the lot that morning. The car is going to depreciate more than then the repairs done. One good thing is that the other person left their insurance info. At least you or your insurance company can go back after them. As you know, a vehicle does depreciate heavily in the first few months.
If you went to sell it or trade it in, it would be worth less than it was just a few days or hours before. The at-fault party is only responsible for that reduced value. You can buy it to protect your own vehicle. That would only help you if you totaled your car. Otherwise, the insurance company just pays to fix it. My car was legally parked on the street and someone hit it. The guy left a note with no name and a number with no area code. I tried our local area code but number is disconnected.
Luckily a witness took down license plate number. My car was parked in front of my house overnight of course and there was nothing wrong with it cause I had just washed it the previous day. So I come outside the next morning and the front end of my bumper is crack…. I do have full coverage,but do you think when I report the accident to my insurance will it go up?
Your insurance company should pay your claim and track down the responsible party to collect damages. Your local agent should advocate for you with your insurance company. Marterio, Since you have collision coverage, your insurance company will pay to fix your car.
Some insurance companies surcharge your insurance for accidents like this. Check with the agent you bought the policy from to find out how your insurance company will treat your situation. We bought a new used truck on saturday.
On wednesday, a semi truck backed into it, slicing driver side cab, bed, and door like a tin can. The trucking company is acceptin responsibility, but they do not have actual insurance.
Also, the company is based in Canada. My car was hit lastnight by a person who works for the owner of this trailer park. He was driving the owners truck at the time of the hit. I assume the truck is a company truck. What should i do? My daughter hit a parked car next to her. The owner was adamant about not involving police or insurance company. And then he left? His car had a 3 foot scratch and our van had a busted front light and dentist. If you purchased collision coverage on your van, you could also have your insurer fix your vehicle.
Just know that they will likely surcharge your rates because of the accident. My car was parked near my house on road and hit by someone who ran away. I transferred my car to Victoria yesterday and I had an insurance which does not work in other state so I cancelled it yesterday.
It sounds like a complicated situation, and it might not be easy to get them to pay what you deserve. If you have collision coverage on the truck, you can put a claim under your policy.
Your insurer will pay the amount to properly fix it, and, if you bought rental coverage, will pay to rent a car while your truck is in the shop for repairs. Your insurance company will go after the at-fault party and reimburse your deductible to you if they are successful in collecting.
Michael, contact the owner of the vehicle. Insurance follows the vehicle first, then the driver if the owner has no insurance. You would have to pay to fix your own car.
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