808Guy

Ok so yesterday while sitting at a stoplight i got my driver side taillight, 1/4 panel and bumber damaged by some fool that was too busy to pay attention to the road. Unfortunatly this guys doesn't have insurance(of course, just my luck)

Anyways, I was told by my bodyshop that the damage won't be more than $1000. not too bad, but i don't wanna have to pay my deductible($500). I was told by my bodyshop guy that i can have the deductible waived(or something to that affect) and have my insurance company go after the guy that hit me. Thus i don't have to pay the $500 dedectible and they'll take care of the damages.

Is what my bodyshop telling me true? just wanted some ammo before i call the insurance company today.

Brett G (old)

If not, you may be screwed. Uninsured Motorists claims can be difficult without a police report. If they were easy, everyone would file claims this way.

The opinions stated above are my own and may not be those of my employer.

[not Steve] Trac

Driving without insurance is a crime in most states. Get him arrested, then threaten to prosecute unless he forks up the $$$ for the damage. What a jerk. I hope it works out for you.

I know your pain, as I was hit by a drunk driver in December and it has been a total mess with the insurance company. But, in the end, I didn't have to pay for anything, not even the deductible.

Boss Hogg

Question is, which state was he from and where did this accident happen?

808Guy

hawaii

sypher808

What body shop are you taking your car to?

[not Steve] Trac

I just did a web search. So, the question is, did you opt for Uninsured Motorist insurance? If not, you may have a hard time recovering your deductible.

Try calling these guys for a free consult: http://hilaw.com/Hawaii/attorneys/Honolulu/lawyers/motor/vehicles/accidents/<ul><li><a href="http://hilaw.com/Hawaii/attorneys/Honolulu/lawyers/motor/vehicles/accidents/">http://hilaw.com/Hawaii/attorneys/Honolulu/lawyers/motor/vehicles/accidents/</a></li></ul>

Boss Hogg

I am sorry to hear this. It kind of makes the MA requirement for insurance a little easier...

[not Steve] Trac

Yeah, we are insured if that happens, because we have to be by law, but there are two drawbacks: 1) we pay the mandatory premium for it; and 2) it actually encourages uninsured drivers, as evidenced by the fact that nearly 16% of the drivers in this state are not insured, resulting in even higher premiums.

We need serious jail time for driving without insurance if it was done deliberately, i.e. not because you forgot to pay a bill and it was cancelled without your knowledge.

Boss Hogg

knew that the state had 16% drivers without insurance still...