Question:
i got into an accident but it wasnt my fault. The guy reversed into me and then left. The officer of course is calling it a hit and run. I was able to get his license plate but the officer is telling me the car is not registered. There is a police report and all but i am not sure if i will need to pay the deductible of $500. Does anyone know? The accident wasnt my fault, so why would i have to?
Answers:
You will have to pay it....since the car is not reg.
If you can find the guy, you can sue for the deductible, and even the insurance company might be able to recoup it's payment to you and thereby 'forgive' you the deductible. Otherwise, it's on your lap. tough luck, eh?
if you have uninsured or underinsure motorist coverage that may pay your deductable,talk to your agent
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Most repairs to vehicle's are very expensive, Insurance companies don't want to pay the whole thing all the time. Which is why they do Deductibles. There are pros and cons to deductibles. Pro: Vehicle has substantial damage over $5000...the insurance company is going to have to pay 4500, while you only have to shell out 500. YAYCon: damage is minimal but you have a contract.
I have heard of exculsions because of hit and runs, so you have a 50/50 chance. I say read your contract or contact your broker anonomusly and ask. Good Luck, Hope your ok
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You have a couple of options here. OK, so the car was not registered -- was it insured? The police should at least be able to tell you who this guy was and should follow up to find out if the car was insured. If it was, you can file a claim against the insurance company. If it wasn't, you will have to pay the deductible yourself, but you can take the guy to small claims court for the deductible. You may also want to contact your insurance company -- depending on the circumstances, the insurance company may take the guy to court for the entire cost of repairs. If they do that and they prevail, you would get your deductible refunded.When you bought your policy that's the deductible you picked and it applies regardless of fault. If your insurance company can find the other person they will try to get all of the $ back to include your deductible. However, you do have to pay it.
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If it's an uninsured person, you'd have to check and see if your state offers uninsured motorist property damage coverage, and what the requirements are to use it. However, if you can use it, most states still set a deductible for it (note this is the STATE, not your insurance company who sets that deductible). You need to ask your carrier for more information.
Not always...Provide the Insurance company a copy of the police report and ask them subrogate the claim. That means they wouldn't charge you but they would go after the person who hit you regardless whether the car was registered or not. Each company is different check with your company or agent. Good luck to you, that's a lousy break especially at this time of year.
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When you sign your contract for your car insurance policy you sign it saying you will pay a certain deductible if you go through them for repairs caused by an accident. You dont sign something saying you'll pay a deductible if you are at fault.i really need a license plate?
As a courtesy, if your insurance company has someone to go after for the damages and the other person's insurance accepts liability they will sometimes waive the deductible- but in this case- as they know they can't get their money back- why wouldnt they make you pay?
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Your adjuster with your insurance company should be able to contact the other party, or help you take them to court for damages. In some states if a person is in an accident with no insurance, and are at fault that state will pay damages to injured party. Then take the at fault persons drivers license until they pay the state back. But most likely you will have to pay your ded. If you use a company your insurance prefers they may issue check to them for repairs minus your ded. Some insurance companies will lower your ded if it is a hit, and run.Ask your insurance agent. He would know whether your policy pays the deductible in that case. Some do, some don't.
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In any case, sometimes the insurance company will voluntarily waive the deductible to be nice guys (really so you'll be impressed and stay with their company :)
Yeah that's a hit and run. The guy really didn't want to deal with you or the cops. The law says you have to at least exchange driver's license and insurance information. Maybe he's wanted for something else. Well, now, hit and run too...
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