Here’s the situation…. My brand new car got rear ended, there’s a police report and the other guy is 100% at fault. But turns out the guys insurance policy lapsed because he stopped paying (I guess the cop didn’t run it to verify). So I went to make a claim with his insurance and was of course told they can’t help me. I could file a claim through my insurance but a few months ago I had a claim paid out for a total loss collision on my previous car so now I’m worried this new claim would lead to my insurer dropping me. I could pay out of pocket and try to get the guy to pay me back but he’s broke and has no job and seems highly unlikely I’d recoup all the cost or it would take years. Initial quote for damage is around $4k. Thoughts on what to do??
Posted by tMonz33
1 Comment
Which State? Some not at fault collisions cannot be rated to increase your rates. Also uninsured and underinsured coverage may not raise it.