Lost Transporation.....

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Profile Tom M
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Message 1983294 - Posted: 4 Mar 2019, 0:36:57 UTC

Someone just hit my parked car. And doesn't have insurance!

Now I am back to shanksmare and the bus.

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Profile TimeLord04
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Message 1983300 - Posted: 4 Mar 2019, 1:09:13 UTC - in response to Message 1983294.  

Someone just hit my parked car. And doesn't have insurance!

Now I am back to shanksmare and the bus.

Tom

Sorry to hear, Tom. This is why I carry Uninsured Motorist and Uninsured Motorist Property Damage on my Policy. My car WILL be taken care of by MY insurance. Then, if THEY feel like it, they can sue the Uninsured Party or Parties as the case may be.


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Message 1983382 - Posted: 4 Mar 2019, 14:35:40 UTC

That is one thing people seem to hate in California. Mandatory Auto Insurance.
You might still be ok. Even with out insurance the driver is liable. Check with the DA's office see if they are filing criminal charges. If so demand that they seek restitution. Supply them with the repair or replacement estimate. You might end up with the state getting you the money. Otherwise you can sue also. The person is still liable. Collecting can be the hard part. Good luck.
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Message 1983404 - Posted: 4 Mar 2019, 16:59:24 UTC - in response to Message 1983382.  
Last modified: 4 Mar 2019, 16:59:59 UTC

That is one thing people seem to hate in California. Mandatory Auto Insurance.
You might still be ok. Even with out insurance the driver is liable. Check with the DA's office see if they are filing criminal charges. If so demand that they seek restitution. Supply them with the repair or replacement estimate. You might end up with the state getting you the money. Otherwise you can sue also. The person is still liable. Collecting can be the hard part. Good luck.

It's precisely the fact that it's hard to collect from someone who's ILLEGALLY NOT carrying Insurance that I have ALWAYS had Uninsured Motorist and Uninsured Motorist Property Damage coverage on my Policies. (Going back to when I was 16 and earned my first Driver's License.) "It's better to have it, and NOT need it - than to NEED IT and NOT have it." <<--- An adage I adhere to. (The ONLY thing I stand to lose if hit by an uninsured motorist is my deductible. Yeah, I 'could' sue to get that back; BUT, if the Uninsured Motorist does NOT carry Insurance, how likely is it that they have $500 available to pay my Collision Deductible.)


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Profile Gary Charpentier Crowdfunding Project Donor*Special Project $75 donorSpecial Project $250 donor
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Message 1983450 - Posted: 4 Mar 2019, 21:34:53 UTC - in response to Message 1983404.  

That is one thing people seem to hate in California. Mandatory Auto Insurance.
You might still be ok. Even with out insurance the driver is liable. Check with the DA's office see if they are filing criminal charges. If so demand that they seek restitution. Supply them with the repair or replacement estimate. You might end up with the state getting you the money. Otherwise you can sue also. The person is still liable. Collecting can be the hard part. Good luck.

It's precisely the fact that it's hard to collect from someone who's ILLEGALLY NOT carrying Insurance that I have ALWAYS had Uninsured Motorist and Uninsured Motorist Property Damage coverage on my Policies. (Going back to when I was 16 and earned my first Driver's License.) "It's better to have it, and NOT need it - than to NEED IT and NOT have it." <<--- An adage I adhere to. (The ONLY thing I stand to lose if hit by an uninsured motorist is my deductible. Yeah, I 'could' sue to get that back; BUT, if the Uninsured Motorist does NOT carry Insurance, how likely is it that they have $500 available to pay my Collision Deductible.)

The hunk of junk they hit you with is likely worth just about that much to a scrap yard.
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Message 1983466 - Posted: 4 Mar 2019, 22:31:01 UTC

One day I'll most likely have full coverage, either AAA or maybe Progressive, right now what I do have is thru National General Insurance, it's just the minimum the state wants and costs Me $16.33-$16.35 a month, twice a year it's $16.35, the rest of the year it's $16.33 a month, I've been told that's unbeatable and I've had them since about 2008. My Sister in law has AAA, probably for the towing.
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Message 1983475 - Posted: 4 Mar 2019, 23:22:57 UTC - in response to Message 1983466.  

One day I'll most likely have full coverage, either AAA or maybe Progressive, right now what I do have is thru National General Insurance, it's just the minimum the state wants and costs Me $16.33-$16.35 a month, twice a year it's $16.35, the rest of the year it's $16.33 a month, I've been told that's unbeatable and I've had them since about 2008. My Sister in law has AAA, probably for the towing.

Vic, AAA towing and travel services (membership) is separate from AAA insurance. Where and how you live I think basic AAA membership makes a lot of sense.
https://www.calif.aaa.com/
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Message 1983481 - Posted: 4 Mar 2019, 23:45:46 UTC - in response to Message 1983475.  

One day I'll most likely have full coverage, either AAA or maybe Progressive, right now what I do have is thru National General Insurance, it's just the minimum the state wants and costs Me $16.33-$16.35 a month, twice a year it's $16.35, the rest of the year it's $16.33 a month, I've been told that's unbeatable and I've had them since about 2008. My Sister in law has AAA, probably for the towing.

Vic, AAA towing and travel services (membership) is separate from AAA insurance. Where and how you live I think basic AAA membership makes a lot of sense.
https://www.calif.aaa.com/

My sister in law must have membership then.
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Message boards : Cafe SETI : Lost Transporation.....


 
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