Post # 1
Coming home from work today traffic was stopped on the freeway (normal stop and go rush hour stuff). I was stopped and got rear ended fairly badly (bumper didn’t look too terrible but I found out a few hours later that the inside of my trunk was smashed in. Bff’s dad is a body repair guy).
The cops wouldn’t come to the scene since cars were driveable. The guy who hit me wound up not having insurance. I took a pic of his license and plates and filed a police report.
My question is what happens now? My insurance pays? Should I get a lawyer? I’m still contemplating going to the doctor. I’m pretty sore but I’m sure it’s just mild whiplash that they can’t do anything for and I’d like to save the expense if any will be coming out of my pocket. Is it worth getting a lawyer? Any one been in this situation?
Post # 3
@RedWine13: that’s weird that they wouldn’t come, I was just in a wreck and the police came even though cars were drivable so that I had proof of filing a report and that he was at fault because he was also uninsured and my mom (whose car I was driving) will be sueing for damages as she doesn’t have uninsured motorist. It has all of his information on it which was handy. She also got a thing from the state that said if damages were over $700 and he didn’t pay his license would be suspended. But that can very depending on state I’m guessing.
Post # 4
Where do you live, OP? I also find it weird that the cops would not come. Do you live in the US?
You should have uninsured motorist coverage if you live in the US and have full coverage insurance on your car (vs liability only insurance, which only covers your car if you are at fault, and you can usually only have if your car is paid off. If your car isn’t paid off, banks typically require full coverage).
Post # 5
@RedWine13: it really spends on what state you’re in because the law varies from state to state but typically if you have collision coverage your insurance company will pay for the damages and if the other person does not have insurance then your rates will go up even though it wasn’t your fault. If you have uninsured motorist coverage, you may have coverage to pay for treatment for your injuries but, again, expect a rate increase. You could get a lawyer and sue the driver but since he doesn’t have insurance you need make sure that the driver does have assets, like a house, that you could recoup money from otherwise there is nothing to sue them for. I’d try to get a free consultation with an auto accident lawyer to gather as much info as you can about your options and go from there. Good luck and sorry this happened to you.
Post # 6
@crayfish: I live near Cleveland, Ohio and was driving home from downtown. The accident was just outside of the city so the cops are pretty lazy with fender benders. Regardless, I was pretty pissed and FI is even more pissed!
Car is 2013 and fully insured, so hopefully I do have uninsured motorist coverage. I just paid it off last month!
ETA – a cop even passed us while we were on the side of he road and kept going!!! Useless!
Post # 7
That is so odd that the cops wouldn’t come. I’ve never heard of such a thing!
I got rear-ended by an uninsured driver last year (who also fled the scene and already had multiple warrents out for her arrest – that was fun!). I had uninsured motorist coverage through my insurance so they took care of everything (after the deductable).