Q: Insurance company refuses to pay
I need your help in Maryland Insurance law. For example,
My car is damaged by a truck owned by you. Fault is on your truck.
Drivers of your truck run away. Police has not caught them.
You had not reported loss to police nor did you cancel your insurance before incident happened.
Your truck is impounded by police. Key in ignition, no evidence of forced entry.
You told me that you parked the truck by 2am in the morning in your driveway and went to sleep.
In 6am, police called you on the phone, asking about your truck, you know it's gone.
You told me the victim, that you did not rolled up the glass on driver side door, and you left a spare key in arm rest area inside the truck. The truck is a 2006 Ford F150 with 80k miles on it, worth about $15,000, totaled in the accident.
Now, I need to file claim to recover my loss in the accident.
What are the chances of my winning?
Your insurance company is refusing to pay me.
A:
You should be eligible to file an uninsured motorist claim through your company. They'll cover your damages minus your deductible, and then they'll do the legwork on investigating recovery beyond that point.
If they find the person responsible, and recover their money, they should refund your deductible.
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