Immediately after an accident, you should call your insurance company and they will tell you their responsibility in that particular state. Your agent should have given you that information when you purchased your policy. Each state has slight differences. An insurance agent in this state is not licensed to comment on the insurance policies of another state.
In this state, your own company pays your hospital bills up to $10,000. The at fault driver pays all costs above that amount. The at fault driver pays all costs above that amount. The at fault driver pays for all car repair bills.
The only step you have left is to sue the driver of the other vehicle. Keep in mind, it is your responsibility to prove that the other driver was at fault.
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
They can pursue him civilly, and the not at fault driver can also sue for damages.
If you have comprehensive insurance, your policy will cover the damages (less a deductable). In this case, your insurance company will sue the at fault driver. You can also sue the at fault driver for damages (if you do not have comprehensive).
Even if a driver was uninsured, the driver who was at fault is responsible for paying for repairs. Not having insurance does not take away responsibility.
No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
You do not sue the insurance company. Any suit is filed against the at fault party only. The insurance company will defend their client and pay damages according to the terms of the policy.
If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.
If a taxi driver hits you, and its his fault, the cab company's insurance pays.
If the police report says the other driver was at fault, try to recover from his or her insurance company. If you don't have collision coverage, you can't collect from your insurance company.