(Closed) Hit & Run- Advice needed

posted 6 years ago in Legal
Post # 3
Member
4327 posts
Honey bee
  • Wedding: January 1992

@BeckyS0:  It will be investigated. The adverse carrier will get recorded statements from the owner, and find out who the driver is. If it is found that the insured lied to the carrier, that constitutes a fraud. 

While progressive may not pay for your deductible (depends on your state) theoretically if the hit and run driver is caught and faces trial for property damage, he may be sentenced to pay restitution to you for the deductible amount. Your insurance carrier can talk more about this with you in hypothetical terms, but don’t get ahead of yourself. 

Sorry this happened. I used to be in the insurance business, and it’s so heartbreaking to hear stories like these.

Post # 4
Member
13101 posts
Honey Beekeeper
  • Wedding: July 2010

I was rear-ended on the highway a handful of months back.  The lady pulled over to the side with me, I called to police to come file a report, and went to talk to the lady and get her information.

She gave me her name and a phone number and was trying to call her boyfriend (it was his car) to tell her where the insurance information was.  Then she apparently decided to pull back into traffic and drive off.  I didn’t get her make/model or plate but luckily someone else saw her flee the scene and called that information in.

When the police finally arrived I gave them what little info I had (and figured at that point was probably fake).  It turns out she actually gave me accurate info but she had multiple warrents out for her due to failure to pay for multiple traffic violations, had no legal driver’s license, and no insurance.

Luckily, my insurance has uninsured driver coverage but I had to pay a deductable.  My insurance company has an entire department dedicated to trying to collect money from the at-fault party in situations like this and if they are able to collect, I’d be reimbursed for my deductable.  I’m not holding my breath for that though – I’m sure I’m out that money but at least my car is as good as new!

Post # 5
Member
46135 posts
Honey Beekeeper
  • Wedding: November 1999

One tip that can save the day if you are in an accident. Besides the usual exchange of information, haul out your phone and take a pic of the license plate, their insurance papers and driver’s license,  and take a pic of the other driver. A picture is faster than writing all the info down and takes away any opportunity they have to claim you wrote the infor down incorrectly.

Your pics will be time stamped and can help if there are disputes as to the time of the accident or the ID of the driver.

Post # 6
Member
7175 posts
Busy Beekeeper

@julies1949:  great advice!  I did this during my last accident (because I couldn’t find a pen/paper!) and was so thankful!  It also helps to take pictures of the damage to BOTH cars!

Post # 7
Member
7175 posts
Busy Beekeeper

@BeckyS0:  Your insurance company should fight it out with Progressive – and, eventually, Progressive should refund your $500 deductible!  I would think if their policy had comprehensive coverage – it would cover this regardless(because it’s theft/property damage).

Post # 9
Member
46135 posts
Honey Beekeeper
  • Wedding: November 1999

Police are used to people trying to commit insurance fraud.

Insurance companies also have their own investigators. It is routine to investigate a reprt of a stolen vehicle that comes in AFTER it has been involved in an accident.

Post # 11
Member
7175 posts
Busy Beekeeper

@BeckyS0:  if their truck really was stolen, wouldn’t that be covered under theft on their policy?  And, if so, that should cover damage done by the theft (on their policy).

The topic ‘Hit & Run- Advice needed’ is closed to new replies.

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