Who knows auto insurance? Ins outs loopholes

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Ricko1966

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My son was involved in a 3 or 4 car accident on the highway this morning. The police didn't write a ticket because whoever caused the accident ran away on foot. There was no one to write a ticket to. Vince only has liability. Should he report this to his insurance, in case the police find the driver. If the police find the driver will we get reimbursed. Anyone know what we should do?. Pics in a couple minutes
 

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Smtty58

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I don't know how things work where you live, but in Mass. you report to the insurance company of the car that hit you. I would talk to your insurance co. just to CYA.
 

xm20k

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Liability only covers damage you cause to others and at a minimum at that. Also, without a sighted party to go after your screwed because even if you have info for the person who hit you, their insurance will most likely deny it as they were not sited. This maybe one where the owner is going to eat the cost of repair/replacement.
 

mxer147

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Get a copy of the police report to confirm the accident accuracy, and see if the car owner can be determined. If so, and it’s not your fault, ask your insurance company the best path forward. They may even help get what you deserve assuming the car was insured. If that driver didn’t have insurance your only recourse is to take that driver to civil court. The police report may only be your source of credible accident evidence so that’s a very important document. You will need to get an estimate of your cars damage. You may also be able to get no use of your car, car rental fees, and any medical bills which resulted from injuries.
 

1STLS1

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If the car that hit him is not reported stolen, I would think he could claim against the owner and he would have to acknowledge if he allowed somebody to drive it and be liable for the damages.

I would also ask your insurance company if your son has any recourse under uninsured motorist portion of his policy

Several years ago, a guy backed into my wife's car at a QT, they exchanged information and we both had Geico Insurance. We turn it in, the car gets fixed, we have to pay the deductible to get the car back. It was like $8K in damages. The other party refused to acknowledge the accident or reply to Geico's calls, emails and certified letters.

I contact QT, verify they can obtain the video footage of the accident but I am not allowed to view or have possession of it, only Geico can see it. Go back and forth with them for several months until they finally obtain the tape. Another 2 months pass, they state they do not have the technology to view the tape.

We then filed a complaint with the AZ Insurance commission and the very next day the contacted us asking to settle. It was later explained to us that the person who did this is now uninsurable, I forget what law it fell under but it was essentially insurance fraud.

I wish you luck, our situation took 14 months to get our $1k deductible back and expenses for obtaining tapes and evidence.
 

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