I was involved in accident – the driver of the other vehicle intentionally caused the accident and was cited by the police.
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UPDATED: Aug 26, 2010
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Insurance Question from Erie, PA
Asked on 08/26/2010
I was involved in accident – the driver of the other vehicle intentionally caused the accident and was cited by the police. Now the insurance of the driver that caused the accident is stating that they - Progressive - is not responsible for damage caused to my car, as their insured intentially caused the accident, therefore it is a criminal act vs an accident.Progressive claims that I have no claim against them, I need to pursue payment via the court system.Is this possible for an insurance co to bag off on a claim because a crime was involved??
Answer given on September 05, 2010
I have since learned that some companies are now excluding bodily injury and property damage when caused intentionally. Your option will be to use your uninsured motorist coverage for any bodily injury. Also, since you apparently have the identity of the at fault party, your policy may include property damage due to an uninsured driver. If you have collision coverage, the uninsured property damage will cover your deductible. If you don’t have collision, you may have up to $3500 for damages to your car. Talk to your agent!
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