Hit-and-Run driver now says I hit him after he told police he wasn’t aware of any accident and his insurance isn’t covering my car. Options?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Aug 4, 2010
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from San Antonio, TX
Asked on 08/04/2010
Hit-and-Run driver now says I hit him after he told police he wasn’t aware of any accident and his insurance isn’t covering my car. Options? I was waiting at a stop light, the car infront was unable to fully merge left causing the Right rear end of his vehicle to partially block my lane from moving. The light turned green however his vehicle rolled backwards as if driving a standard improperly or a dead car not having the break applied in time. He drove off, I did get his license plate.He is insured, told the officer he was unaware of an accident, but told his insurance I hit him after I filed the claim through them, State Farm. Therefore, they are not covering my damage. What are my options through HIS insurance, mine is USAA?
Answer given on August 04, 2010
The police report should support your version of the incident. I would recommend that you go through your insurance company and let them work out settlement with State Farm. I am presuming you have collision insurance on your car. USAA will pay for damages to your car, less the deductible. If they are successful at getting State Farm to reimburse them for your damages, you will get your deductible back. If they only get a percentage of reimbursement, you will be reimbursed the same percentage.
When you speak with USAA be sure to tell them there is a police report on the incident. I presume you have confirmed with the police that the other party told them he didn’t know there had been a collision.
If there is no police report, or if the report disputes your version, you may be held responsible for the collision since it appears the damages are the rear of the other person’s car vs the front of your car, which implies a rear end collision on your part.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.