My parked car was damaged by an out-of-state trucker on the property of my employer, The adjuster has verbally agreed to cover car rental and repairs.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jan 17, 2017

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Insurance Question from Chester, VA

Asked on 01/17/2017

My parked car was damaged by an out-of-state trucker on the property of my employer, The adjuster has verbally agreed to cover car rental and repairs. My legally-parked car was damaged by an out-of-state trucker on the property of my employer, The trucking company is from New York State, his insurance company is using delay tactics regarding payment of car rental and repair of my car. All expenses for car rental thus far is in my name due to the lethargic response of the trucker's insurance. I'm very concerned that I may be left liable for the repairs and car rental. What is my recourse to ensure I get paid what is due to me?

Answer given on January 17, 2017

If your parked car was damaged by another driver and the insurance company is not responding as they should you can file the claim under your auto insurance policy. You will be responsible for the deductible, but once your insurance company settles with you they will then go after the other insurance company for reimbursement. If they succeed, your deductible will be returned to you. If you have rental car insurance under your policy, you can also rent a car using that portion of your insurance policy.If that option does not work you will need to push the other insurance company for payment. You should try to follow up with the adjuster and if they do not respond, ask to speak to a supervisor. That may get things moving. If that fails, you can contact the Dept of Insurance in New York to see if they can assist you in getting the settlement you deserve.


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