got hit today this sucks

KargoMaster · 02-24-2009, 12:12 AM

It always makes me just smile a little to read your responses Sarge... I believe that you truly enjoy your work...

blazerbrad · 02-24-2009, 09:38 AM

Several years ago my dad got hit by an uninsured driver (they were parked along the street and pulled out, side-swiping my dad's truck).

The driver was not the owner of the car, but neither her or the owner had insurance. Besides the fines, the judge suspended both of their licenses until they paid back the repair costs.

If you were fully insured then generally your insurance company will take care of all of the legal issues. For my dad his insurance company paid for the repairs on his truck (minus the normal deductible my dad paid) until the legal side was taken care of. They (the insurance company) then refunded the deductible and the uninsured driver made payments directly to the insurance company.

Of course all of the above may be a moot point if you just had liability, but I'm not an insurance expert.

In any case you are lucky to have a police report directly stating the at-fault vehicle. My wife got side-swiped a few years back while parked at a gas station pump. The police didn't want to do a report because it was private property so we got all of his driver's license info, insurance car, plate number, etc...but he then disappeared and were (our insurance company) never able to collect anything. Our insurance company paid for repairs minus the deductible (our of our pocket) and tried a couple of collection agencies (our agent was my wife's brother, so they tried really hard)...apparently the guy passed false insurance and license info to us.

A year or so later my wife's car also got hit by a golf ball and left a nice dent on the roof. We stopped and talked to the lady who did it. She gave us all of her insurance info, then her friends starting getting really *****y...still remember that one stating "I can't believe you want to fix that dent, I just would of kept driving......". The car was literally 3 months off the dealer lot when this happened, I so wanted to take a golf ball and throw it against her new Denali leaving a nice dent and say "okay, we're even now"......

GPER · 02-24-2009, 12:27 PM

I love stuff that fall from the sky, the CJ has been hit a few times driving by the golf course. My favorite was going in to work across from AK at the reclamation yard. One of the slag haulers were dumping and it blew up and a chunk landed on the hood. I was glad it didn't go threw the soft top.

wilson1010 · 02-24-2009, 04:05 PM

Uninsured/underinsured coverage would apply. Look at policy declarations page and if there is a premium charge for uninsured/underinsured coverage, turn it in. It doesn't go against your record.

Hope Springs Hauler · 02-24-2009, 09:02 PM

My agent said the UI coverage was just for medical claims:confused: Maybe they were wrong but that is what they said.

wilson1010 · 02-25-2009, 03:46 AM

Quote:

Originally Posted by Hope Springs Hauler

My agent said the UI coverage was just for medical claims:confused: Maybe they were wrong but that is what they said.

Here's Allstate's blurb:

Auto Insurance
Uninsured and Underinsured Motorist
This coverage option helps pay for medical expenses, and damage to your car, caused by a driver who has little to no insurance.
Click here
This Coverage Is Divided Into Two Parts

* Bodily Injury Coverage — may pay medical expenses for you, your passengers, or any family members who might be driving the car when bodily injuries are caused by an uninsured or underinsured driver.
* Property Damage Coverage — pays for damages to your car caused by an uninsured or underinsured driver. (This coverage is not available in all states.)

So your agent may be right that UM no longer covers property in Ohio. This is why I don't do tort cases. Yuck!

SixFtUnd · 02-25-2009, 05:59 PM

the time I got hit a cop came and said we could handle it on our own insted of giving her a ticket so being a nice guy I agreed (never do that again) she had an insurance card but it was no good so when she didn't pay me like she said she would I filed an acsedent report had her drivers liceece no. name phone number but they couldn't do anything becouse I couldn't pic her out of the picture line up

02-24-2009, 12:12 AM	#1
KargoMaster Cleaning off the rust... Join Date: Jan 2007 Location: Cincinnati, OH Posts: 1,009	It always makes me just smile a little to read your responses Sarge... I believe that you truly enjoy your work... __________________ brad 5.0L \| 435 \| 203 \| 300 \| 4.10 \| 39.5 Buildup BACK underway...

02-24-2009, 04:05 PM	#4
wilson1010 Join Date: Feb 2007 Posts: 147	Uninsured/underinsured coverage would apply. Look at policy declarations page and if there is a premium charge for uninsured/underinsured coverage, turn it in. It doesn't go against your record. __________________ Unimog 406 XJ with a bunch of stuff put on by somebody else

02-24-2009, 09:02 PM	#5
Hope Springs Hauler Join Date: Jul 2008 Location: Hamilton, OH Posts: 431 Images: 16	My agent said the UI coverage was just for medical claims:confused: Maybe they were wrong but that is what they said. __________________ 1988 Suzuki Samurai on propane FJ 40 axles (4.10) 5.14 tcase 36" TSL SX

02-25-2009, 05:59 PM	#7
SixFtUnd Danny Beach Join Date: Jan 2008 Location: Cincinnati OH ( Price Hill) Posts: 481	the time I got hit a cop came and said we could handle it on our own insted of giving her a ticket so being a nice guy I agreed (never do that again) she had an insurance card but it was no good so when she didn't pay me like she said she would I filed an acsedent report had her drivers liceece no. name phone number but they couldn't do anything becouse I couldn't pic her out of the picture line up __________________ 86 Ford Bronco

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02-24-2009, 09:38 AM	#2
blazerbrad - CORE Member - Join Date: Feb 2007 Posts: 831 Images: 6	Several years ago my dad got hit by an uninsured driver (they were parked along the street and pulled out, side-swiping my dad's truck). The driver was not the owner of the car, but neither her or the owner had insurance. Besides the fines, the judge suspended both of their licenses until they paid back the repair costs. If you were fully insured then generally your insurance company will take care of all of the legal issues. For my dad his insurance company paid for the repairs on his truck (minus the normal deductible my dad paid) until the legal side was taken care of. They (the insurance company) then refunded the deductible and the uninsured driver made payments directly to the insurance company. Of course all of the above may be a moot point if you just had liability, but I'm not an insurance expert. In any case you are lucky to have a police report directly stating the at-fault vehicle. My wife got side-swiped a few years back while parked at a gas station pump. The police didn't want to do a report because it was private property so we got all of his driver's license info, insurance car, plate number, etc...but he then disappeared and were (our insurance company) never able to collect anything. Our insurance company paid for repairs minus the deductible (our of our pocket) and tried a couple of collection agencies (our agent was my wife's brother, so they tried really hard)...apparently the guy passed false insurance and license info to us. A year or so later my wife's car also got hit by a golf ball and left a nice dent on the roof. We stopped and talked to the lady who did it. She gave us all of her insurance info, then her friends starting getting really *****y...still remember that one stating "I can't believe you want to fix that dent, I just would of kept driving......". The car was literally 3 months off the dealer lot when this happened, I so wanted to take a golf ball and throw it against her new Denali leaving a nice dent and say "okay, we're even now"......

02-24-2009, 12:27 PM	#3
GPER Join Date: Feb 2007 Location: Kettering, Ohio Posts: 811	I love stuff that fall from the sky, the CJ has been hit a few times driving by the golf course. My favorite was going in to work across from AK at the reclamation yard. One of the slag haulers were dumping and it blew up and a chunk landed on the hood. I was glad it didn't go threw the soft top.