My parked car got smashed by a homeless woman driving an RV. She has no insurance, no address, no current drivers license, and no phone. I filed a police report and a claim with my insurance, but does anyone have any ideas on how to take someone who has nothing to claims court? Thanks!
Hopefully you have collision coverage, then you are covered, no question, but you will have to pay your deductible. You may or may not have uninsured motorist property damage (depending on your state). If you have both UMPD & collision, you will have no deductible, if you just have UMPD & do not have collision, you will have a small deductible ($150-$250) - depending on the laws of your state. If you are in NH & do not have collision, you have no coverage for your car (their UMPD is VERY limited). Good luck getting blood from a stone if you try to go after her personally. If at all possible go to your insurance company to get coverage for your car & let them go after her for the damages. They have the attorneys & knowledge & the time to use every avenue they can to collect from her.
-
November 30, 2008 at 11:15 pm
We had a similar incident with no insurance. Our ins. paid for a rental car for 4 weeks & ended up 'totaling' our car. Your ins. should do the same. It's up to them to sue the other driver. Good Luck. =^ )
References : -
November 30, 2008 at 11:30 pm
Hopefully you have collision coverage, then you are covered, no question, but you will have to pay your deductible. You may or may not have uninsured motorist property damage (depending on your state). If you have both UMPD & collision, you will have no deductible, if you just have UMPD & do not have collision, you will have a small deductible ($150-$250) - depending on the laws of your state. If you are in NH & do not have collision, you have no coverage for your car (their UMPD is VERY limited). Good luck getting blood from a stone if you try to go after her personally. If at all possible go to your insurance company to get coverage for your car & let them go after her for the damages. They have the attorneys & knowledge & the time to use every avenue they can to collect from her.
References : -
November 30, 2008 at 11:51 pm
it would more than likely be a waste of time, best you could hope for would be a judgment against her, if she don't have anything of value, what ya gonna get. just turn it in to your insurance company, your uninsured/underinsured should cover it let them chase the legal end of it if its worth it.
References : -
December 1, 2008 at 12:16 am
"Uninsured Motorist" if this clause is in your policy, then your insurance company should pay for the damages. You have no business taking the poor woman to court.
References :
http://www.insurancehelp101.com -
December 1, 2008 at 12:23 am
Obviously she has an RV, at least until your insurance company gets done with her.
References :