Contacting insurance company

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Contacting insurance company

I was involved in a car accident we’re I was hit by a stolen vehicle which of course didn’t stop. When I was hit it pushed me over into the next lane where I was then hit by another driver. I have received a letter from the other driver’s insurance company stating to contact them to help investigation and evaluation. What does that generally mean? I ask because I only have liability and now my car is totaled. Since it was a hit and run my insurance has no one to look for.

Asked on June 26, 2018 under Accident Law, Florida

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

Pass the letter over to your insurer: since you have liability coverage, they should handle this for you. You would only be liable if you were at fault in some way in causing the accident, which--according to what you write--you were not; however, the other insurer can investigate, and your liabiity insurer should respond for you.
You unfortunately have no where to get compensation from: the car/driver you were pushed into will not owe you anything, because they were not at fault, either. If the car thief who hit you is ever found, in theory you could sue, but the odds are vanishingly small that he wil have any money to pay you. And the owner of the stolen car is not responsible for what happens when his car is stolen, since he had no role in what occured and is not responsible for another person's criminal actions.


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