Q: Must other driver’s insurance pay for damage to my unoccupied second vehicle that was uninsured?
My second vehicle was parked on the street and was not occupied. Another driver crashed into my vehicle causing a lot of damage. The other driver does have insurance. Will that driver’s insurance company be required to pay for the damage or will my state laws give them an ‘out’ since I was uninsured? I live in Oklahoma. Thank you.
A: That is frustrating situation to say the least! If you have the driver's insurance information, then contact the insurance company and file a claim against the driver's insurance for the property damage to your vehicle, diminished value (if applicable), and any other property damage that may have occurred. It usually does not matter that you did not have your vehicle insured in the scenario that you described.
Tim Akpinar agrees with this answer
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