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Insurance: options when hit by uninsured motorist

159 messages,  Last post on May 05, 2013 at 2:22 PM

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What is this discussion about? Buying Insurance

Messages Page 14 of 16

#130 of 159 Re: dtownfb [dtownfb] by bolivar

Aug 24, 2007 (8:41 pm)

Replying to: dtownfb (Aug 24, 2007 7:38 pm)
And be a New York b**** while doing it.
 
I hate that woman.

#131 of 159 I was hit by a person w/o insurance by walker7309

Oct 14, 2007 (11:37 pm)

my car was totally smashed in on the rear passenger side by one of two cars that were involved in a collision with my parked car. I mean my rear tire is bent all the way in and my suspension is subsequently damaged. my car was parked on a one-way street and i was in a business at the time of the collision so i have no idea what happened, besides what the two other drivers say. The police responded but refused to take a report, despite my numerous request, citing the lack of injuries as justification for them to simply stand around and watch. I took down all the information i could from all the parties involved and took numerous pictures of all the vehicles involved. my insurance company says I should just use my own policy and pay the 500 deductible. upon contacting the other insurance company i was told the policy i was given by the other driver was not in effect and no money would be paid to me. what should i do? Am I out of luck?

#132 of 159 Re: I was hit by a person w/o insurance [walker7309] by tidester

Oct 15, 2007 (2:42 am)

Replying to: walker7309 (Oct 14, 2007 11:37 pm)
Apparently, the other drivers represented to the police that they were insured which you found out to be false. The police may be interested in that.
 
tidester, host
SUVs and Smart Shopper

#133 of 159 I find it hard to believe by marsha7

Oct 15, 2007 (6:20 pm)

that police did not make report because no one was injured...if substantial property damage occurred, they know that someone's insurance must pay for it...and if someone was uninsured, that is a law violation by itself...that should be reported to the polcie and that driver should be ticketed for no insurance...
 
You might want to pay the ded and use your UM to get the car repaired quickly, and give the ins info on both of the other cars and have your ins spend the legal time recovering from them...if it is to be split among them, let your ins fight it out with them, and you will hopefully recover your deductible, as well, down the road...

#134 of 159 Re: I find it hard to believe [marsha7] by fordfool

Oct 15, 2007 (8:49 pm)

Replying to: marsha7 (Oct 15, 2007 6:20 pm)
I find it hard to believe that police did not make report because no one was injured...if substantial property damage occurred,
 
Buffalo, NY police do not respond to motor vehicle accidents unless there is personal injury. Don't know if it's just laziness or patrol cars spread too thin.
 
Years ago my parked car (along with three others) was hit by a drunk driver. All State paid for the repair (under my comprehensive coverage) but made no attempt to recover payment including the deductible that I had paid.
 
I took my Buick to a downtown Louisville dealer for an estimate. All State preferred that I have the car repaired at a place on their preferred list. I was going to protest until I saw that my Buick dealer was on the list. The dealer repaired the car for All State for one-half the amount that I had been quoted as an individual.
 
There used to be an old-school hard-sell Ford dealer in downdown Louisville by Citizens Fidelity Bank. As I walked by one day I saw the entire sales force bare-chested, holding their shirts while posing for a photo. I could imagine the "shirts off our backs" ad campaign. (No women on the sales force in 1970.)
 
Is Cooke Pontiac at 5th and York still around?

#135 of 159 Re: I find it hard to believe [fordfool] by tidester

Oct 15, 2007 (9:09 pm)

Replying to: fordfool (Oct 15, 2007 8:49 pm)
Buffalo, NY police do not respond to motor vehicle accidents unless there is personal injury.
 
It depends on where the accident occurs. There may be traffic flow issues where their presence is required.
 
tidester, host
SUVs and Smart Shopper

#136 of 159 Re: I find it hard to believe [tidester] by fordfool

Oct 16, 2007 (3:29 pm)

Replying to: tidester (Oct 15, 2007 9:09 pm)
>> Buffalo, NY police do not respond to motor vehicle accidents unless there is personal injury.
  
> It depends on where the accident occurs.
 
Location is cetainly inportant. Intersections with a Tim Horton's donuts, Dunkin Donuts, or a Krispy Kreme seem to attract Chief Wiggum and the white mustache brigade.

#137 of 159 Hey, I'm only by marsha7

Oct 16, 2007 (6:14 pm)

trying to help, even if that help is worse than useless...

#138 of 159 WHAT CAN I DO? HELP ME PLS! by dedaof3

Mar 06, 2010 (12:58 pm)

I HAD AN ACCIDENT,THE OTHER PARTY RAN A STOP SIGN,AND RECKLESSLY DROVE HEAD ON TOWARDS ME, I SWERVED TO AVOID THE FATAL ACCIDENT AND COLLIDED WITH ANOTHER VESSEL AS THE CAR THAT CAUSED THE ACCIDENT FLED THE SCENE,I WAS NOT TICKETED AND I WAS COVERED EXCEPT FOR UNINSURED MOTORIST COVERAGE. STATE FARM PAID FOR MY TOTAL LOSS VEHICLE AND SOME MEDICAL BILLS AND THEN DECIDED TO NOT RENEW MY POLICY, ADVISED ME TO SEARCH FOR OTHER COVERAGE, AND HELD ME AS THE CAUSE OF THE ACCIDENT,THEREFORE ANY OTHER INSURANCE COVERAGE I OBTAIN WILL BE EXCEEDINGLY HIGH. CAN THEY DO THIS, BLAME ME FOR AN ACCIDENT THAT I WASN'T CHARGED FOR AND KICK ME OFF? :

#139 of 159 Re: WHAT CAN I DO? HELP ME PLS! [dedaof3] by bolivar

Mar 06, 2010 (11:29 pm)

Replying to: dedaof3 (Mar 06, 2010 12:58 pm)
It's their insurance company, they can do about anything they want.
 
In most states, about the only state protection is that they cannot raise your rates without raising the comparable people rates the same. But if they chose not to insure you, I don't think there is anything you can do about it.
 
(State Farm has dropped entire states from homeowners coverage - did not drop existing policies, but stopped writing new policies. And if you sold a house and moved, they would not cover a different house. This was done in the entire state of Texas for about 18 months before they can back and started writting new policies.)
 
I think every state has a 'State Insurance Commissioner'. Find this office for your state and give them a call. They are the only true source for what your individual rights are, in your state.
 
And insurance procedures and policies vary significantly from state to state. So, be weary of anyone that tells you 'They can't do that'. Maybe not in their state, but that's not where you live.

Messages Page 14 of 16

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