Q: What should I do when someone with no auto insurance hit my car?
My car was parked at my apt parking lot and we just got contacted by our apt office that our car got hit by someone. They gave us contact # of that person. When we contacted, he says he does not have insurance and he just started working. But also, he says he would like to pay for the damage if we get the estimate from body shop. In this case, should we have him sign something first? We are just confused what we should do in this case.. Please advice us what to do. Thank you in advance.
A:
If you have insurance that would cover it, you could make a claim through them.
If not, you have some options. If he doesn't pay, you can report him to the DOL for an uninsured accident, and they have the power to suspend his license if he doesn't compensate you. Also, if he left the scene without leaving contact information you could report him to the police for hit and run.
With those remedies out there, you might approach him and make an agreement that if he signs a payment agreement with you, you will not report him to DOL. Once you have a written agreement, if he were to not pay you could enforce that in court.
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