In Ohio is it possible for a person to only have coverage on a vehicle they hit on public property?
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UPDATED: Aug 20, 2010
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Insurance Question from Beaver Creek, OH
Asked on 08/20/2010
In Ohio is it possible for a person to only have coverage on a vehicle they hit on public property? I was recently in a hit/skip accident while I was at the gas station. I got the license plate number of the person who hit me. He has a SR 22 Bond and his insurance company said they won't cover my damages because the accident happened on private property (gas station). Can they do that? What are my options?
Answer given on August 20, 2010
Auto insurance policies provide bodily injury and property damage coverage for a car being driven. It does not matter if the car was on a public road or private property. It appears the other insurance company is attempting to avoid making payment for this accident.
You did not say if the police were notified of the incident. If so, you should obtain a copy of the report and contact the other party’s insurance agent or company. If they still deny coverage you should ask to speak with a supervisor.
If you continue to get no response, you should contact your insurance company to see if they will pay for the damages to your car. If they do (presuming you have collision insurance) then they will go after the other party and their insurance company. If they successfully obtain payment then they will reimburse you for any deductible you may have paid.
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