Q: How do I recover lost wages, damages, rental and have them cited for no insurance and driving without a license?
A car with Mississippi auto dealer tags was uninsured with unlicensed 15 year old driver...driving who backed out of their driveway into our car that we bought the day before! They were not given any citations from officers. The damages to our car est. 13,050. Our uninsured motorist policy has deemed Actual Cash value of our car $18,532. Loan with bank $21,347. Paid $2000 down on the vehicle. So we are now out a vehicle, the difference of actual cash value and $2000 that we put down on the car! At fault party broke the law! Didn't have coverage on their vehicle and LOST NOTHING! I'm am so upset!! Any suggestions on how to make them pay for lost damages?
A: If your insurance does not cover the whole amount of damages you'll have to file a lawsuit against the driver/parents to try and recover a judgment for damages. But you can't force the police to issue citations.
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