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Gather up all your documentation , then file a small claims case against the driver in the county they live in . If the courts rule against them , then their insurance will pay you . I have done this procedure already and it works .
You could certainly go to small claims court but it is risky. If the other party is insured, their insurance is obligated to provide them with a legal defense which means that they are going to have an attorney and you won't. You could get an attorney yourself but but that will likely cost way more than it is worth.
1.) If you are not hurt, it is going to be really difficult to find an attorney to take the case because the money will be too low.
2.) Any attorney that would take the case is going to be unwilling to actually take the case to trial because it would cost more to file suit than the case is actually worth. Instead, the attorney is going to negotiate the claim and take a reduced settlement. then the attorney is going to take a 1/3 of the money they collect ultimately taking even more money away from your repairs.
3.) When an attorney gets involved in an insurance claim, it sets off a series of warning signals to the claims adjuster and they are going to handle the case differently. Namely, they are going to hire an attorney to deal with your attorney and the whole thing is going to be drug out over years. Remember, insurance adjusters get threatened with lawsuits everyday. They are not afraid of attorneys. It is a large part of their job.
All of this is going to result in you waiting for a really long time to get a disappointing recovery.
There is an alternative to getting an attorney however. You can hire a subrogation company that is a member of "inter-company arbitration". The subrogation company can file arbitration against the insurance company and force them to pay the full amount of the repairs. I did this through a company called Cerberus Subrogation Professionals. www.cerberussubro.com It went really well. I didn't have to take a reduced settlement. I got the full amount I was seeking and it was way faster and way cheaper than getting an attorney. As far as I know, Cerberus was the only subrogation company that I could find that is member of arbitration. That is important. If the subrogation company is not a member of arbitration they can't file against the insurance company.
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If your car has been totaled what are your options while waiting for the other drivers insurance company to handle the situation?
you can go ahead and contact the other drivers insurance company and determine the status of the claim.
If you have a drivers license in two different states and your insurance company only has one drivers license can they find out about a ticket on the other one?
Yes, if they run your information through the interstate system. When you apply for auto insurance, the insurance company checks your driving history via your name/dob/social security/drivers license number. The insurance company can see tickets/accidents recorded in other states and will base your insurance rate upon your driving history. If you have a drivers license in two different states, you are committing a crime in at least one state.
If you rearend someone when the roads are wet who does not have a license or insurance who is at fault?
If you rearend someone, regardless of road conditions or the other drivers disposition on a drivers lic or insurance, you are still responsible. Not having a license or insurance is a civil matter, not involving insurance company.
If your insurance company gives you the option of being paid directly by them or by the other drivers insurance company which is a better choice?
Depends on who's going to give you more money and other factors such as will your rates go up if your company pays you, etc.
Can i collect on both sides my insurance and the faulted drivers insurance i have a lien holder on my car a?
No, you can't. When you collect from your insurance company, they will pursue the other driver's insurance because the accident wasn't your fault. When your insurance company finds out that you collected from the other insurance company already, they will come after you. It's called double-dipping and it most likely wouldn't end well.
Will your comprehensive auto insurance cover your car if you were not at fault in the accident but other drivers insurance denies claim?
Let your insurance company/agent handle the claim--they will collect from the other insurance if there is a valid claim. You'll need a police report.
Is there any cheap car insurance in Virginia for teen drivers?
Check this company they are very good and cheap compared to other companies. http://www.directautoinsurance.com/Virginia-auto-insurance/
What are the requirements on reporting an accident to insurance company if it is not your fault?
Most companies do not require you to report the accident to your own insurance company, but if you later find out the person did not have valid insurance or the other insurance company refuses to pay and then you later have to file a claim on your policy, it will slow down the claim process. Plus, each state has a statute on the time limit you have to file a claim and want it to be covered.
Is it lawful for ins co to charge you for points that is not on drivers license?
Yes. Insurance companies don't just go off your drivers license record. They also check several other insurance company data bases because many accidents are not reported to the police. If an accident claim was filed the Insurance company who handled the claim will have it in their database as well.
How do Liberty Mutual Insurance auto rates for men under age 25 compare to other insurance companies?
The auto rates of Liberty Mutual Insurance is different for different drivers because drivers have different driving records. To compare this particular company to others, you may visit their website and compare it to whatever company you want to compare it to, such as geico.
What happens if you get in an accident and the other driver does not have a drivers license?
If they don't have a licence they won't have valid insurance. Your own insurance company will advise; in the UK there is a pool to cover this, but it'll be different elsewhere.
Which companies claim to offer cheap car insurance for a young driver?
Most insurance companies shy away from granting insurance to young drivers because there are new drivers and pose the greatest risk of getting into an accident. Because Progressive insurance does quite lot of advertising in regards to being better than the other insurance agents, one can look into getting cheap insurance rates for young drivers from this particular company.
