Car accident, 100% opponant’s falt with police report, but his insurance was expired. What should I do?

I got an accident and it was minor damage estimated less than $1000.00 and no medical demage for 100% opponant’s fault. He got a unsafety lane change and hit and run penalty. But their inusurance was expire on the police report and adjunctor from their insurance company told me I cannot get coverage. If I want to fix my car, I need to pay deductable, $1000.00 for my uninsured motor coverage. Is there any way to fix this problem other than sue? Due to the minor damage, I don’t think it’s appropriate to legal process. Help me!

Asked on July 2, 2009 under Insurance Law, Nevada

Answers:

B. B., Member, New Jersey Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

If the other motorist has no insurance, and the damage is less than your deductible, you don't really have any other choices:  sue him, or absorb the loss yourself.  You can probably do this yourself in small claims court, but, again, you have to decide if it's worth the effort.

We lawyers aren't magicians.  We can't make the world perfect, we can't make the court system perfect.

B. B., Member, New Jersey Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

If the other motorist has no insurance, and the damage is less than your deductible, you don't really have any other choices:  sue him, or absorb the loss yourself.  You can probably do this yourself in small claims court, but, again, you have to decide if it's worth the effort.

We lawyers aren't magicians.  We can't make the world perfect, we can't make the court system perfect.


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