Insurance Company dont want to pay for damages. The Person who hit my car had full coverage. What do I do?
If you are saying that the guys policy only has $5000 worth of property damage coverage then that is insane. Any state that would allow a company to sell that kind of policy just plain sucks. Assuming the $5000 figure is the correct policy limit, you have very limited options, especially if you do not have your own collision coverage. The other company doesn't not want to pay for a rental, they just can't. They have to spread $5000 between 3 cars and that isn't going to go very far. Nobody is getting a rental here. If you already have an estimate for the amount of damages to your car then I would recommend suing in small claims court. If your damages are under the small claims court limit then file a lawsuit against the other driver. If the other driver is a minor also file against the parents. You will win in court, but it is not a guarantee of payment. A win in small claims court just gets you a judgment and the court will not make the other driver/parents write you a check at court. In most states getting and "docketing" a judgment will put pressure on the other driver/parents to pay you because a judgment can lead to a suspended drivers license. It can also show up on their credit report and mess them up when trying to buy/sell a house or car. It is highly unlikely that you will get paid quickly so you need to look at the judgment as a long term investment. The judgment should allow you to also add yearly interest to the debt. Good Luck
by fighting saints - 12 hours ago
call YOUR insurance company. they can help you. if you have full coverage on your car they can pay for the damages minus your ded and then will subrogate back to his insurance for repayment. anything over what his company will pay back is something you would have to take him to court to have him repay. his insurance will only pay out to his limits and since there were multiple cars involved hes probably gonna get sued by others also.
by Queen B - 12 hours ago
hey are giving you a total line of BS. The limits placed on property by an insurance policy refer to how much they consider THEIR customer's car's value, not the damage done to others. That is always in the 6 figure range these days! What to do. 1. Call his insurance rep and tell him that you want a rental car AT THEIR EXPENSE until they can "get around' to your car. 2. Your next call will be to the lawyer who has already said he'd handle your case and laughed when he was told about their $5000 limit and said something about he would get more than that for his part! If they still want to play games, (common when an insurance company knows they are at fault to try to stall and get the money they have to pay reduced to almost nothing) open the yellow pages and start calling ambulance chaser lawyers. This is a quick and easy case for any of them to win and they know it. You may need to pay some fees up front, but you will win and get them, your car repaired and probably more back. BTW: This is not a single accident claim. If he hit 3 cars, there are 3 separate accidents and 3 separate claims, not one divided by 3 people. One more case of his insurance rep trying to feed a line of crap!
by dallenmarket - 12 hours ago
It is also going to depend on the state that you are in. Some states only allow for a certain amount as a no fault state.
by Joel S - 12 hours ago
Consult your lawyer
by sachin c - 12 hours ago
Get a lawyer. It's amazing how fast an insurance company will pay up when they receive papers saying they are being sued.
by shanla - 12 hours ago
WHOSE insurance doesn't want to pay for damages?? His? Or Yours? They don't pay more than the policy limit, in any case!!! You don't buy a Ford and get a Mercedes. He bought $5K of coverage. That's what he gets, regardless of how much the damage is from that accident. You're going to have to either go through your own insurance company, or sue the other person directly for damages. And just because you win the lawsuit, doesn't mean you'll see any money. The BEST way to be sure you get paid when your car gets hit, is to buy your own insurance. Want a rental car? Buy rental reimbursement coverage. If YOU don't have collision and rental reimbursement coverage, well, you're underinsured, just like the guy that hit you.
by mbrcatz - 12 hours ago
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