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Words from an Insurance insider... (archive)

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Posted by Marc on October 29, 2000 at 20:50:01:

In Reply to: need help finding a criminal (hit and run) posted by Lukas on October 29, 2000 at 18:02:27:

If you have Comprehensive coverage, file a claim with your insurer. Objects that strike your car are considered "missile" and should be covered under this coverage. Important: You must stress that the object was not on the ground and you hit it, rather **it hit you** "on the fly"

Next, your insurer should have access to DMV records. Hopefully you wrote down the correct plate #. If so, DMV will have registered owner on file.

Your insurer can pursue the responsible party(ies) through a process called Subrogation. Once they collect from said parties, your deductible will be refunded to you (if it isn't waived up front - some do this)

Good luck,
Marc


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