Q: Hi, actually my parked car got hit and I got the accident report from the officer and it’s shown the person who’s hit my
Car that he has insurance. After I contact his insurance and reported a claim they told the person who’s hit my car his insurance was canceled since last December. My insurance is lability and dose not cover my car. In this situation what i have to do? Was that officer fault? Also, I asked his insurance to send me a denial letter and they told sure but after we contact the person who’s hit my car. My question here why his insurance they want to contact the person who’s hit my car if they already know that his insurance is canceled and he doesn’t have insurance?
A:
Unfortunately, you are going to be stuck.
You can sue the driver who hit you, but it is probable that any lawyer who would take the case will charge you on an hourly basis, which will cost several thousand dollars. Further, if you win against the other driver, if he has no insurance, he is unlikely to have other assets to pay you.
This is why you should have collision coverage.
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