Under what circumstances are auto Insurance companies able to put multiple vehicle damages into one claim?

Question Details: DUI driver runs stop a sign & hits a parked car which stops his car then, while fleeing, he drives across the yard & hits my car pushing it into my daughter's car. My insur company says that damage to the 3 cars, street signs, yards, etc are 1 claim & costs can't exceed his $10,000 property damage limits. They say first they recoup the repair costs then rental/towing fees and whatever is left of the $10,000 would reinburse for deductibles, etc. Repair costs for the 3 cars are just under $10,000 with my car sustaining the greatest damage (>$5000) Police have said it was 2 events/2 claims.

Asked 10/20/2009 under Auto Accidents | 144 View(s) | More Legal Topics