i got hit on private property, i had no insurance at the time. they did. who pays to get my car fixed if i wasnt at fault?
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UPDATED: May 15, 2013
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Insurance Question from Morristown, TN
Asked on 05/15/2013
i got hit on private property, i had no insurance at the time. they did. who pays to get my car fixed if i wasnt at fault? i got hit on private property. the police said he could state who's at fault because it was on private property, but in the police report it says she's at fault. she has insurance but i didnt have it at the time i have to get it reinstated friday. what do i do?
Answer given on July 31, 2013
If you were in an auto accident, whether on public street or private property, the driver of the car who caused the accident is responsible for your damages.However, often times police will not make a report on private property. It seems the officer did make a report and named the other driver as being responsible.Even though you did not have insurance, it does not absolve the responsible party from paying for your repairs. You should file a claim with their insurance company for your damages. The insurance company should agree to make the payments since the police report holds their insured as the cause of the accident. If they try to say your lack of insurance makes it your fault, then you need to speak to a supervisor. The failure to have insurance is an issue for the police, and does not affect the outcome of the claim. The other driver still caused the accident.
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