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Your advice is good since IAL... (archive)

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Posted by SL on October 30, 2000 at 14:34:21:

In Reply to: Words from an Insurance insider... posted by Marc on October 29, 2000 at 20:50:01:

the guy who caused the damage doesn't even have valid insurance regardless of what he said at the scene (it would have been a good idea to ask to see a proof-of-insurance card to take down info from and insist the police write a report if one can't be produced, but that's hindsight).

So, if Lukas has a high deductible he still could be out quite a bit of money. If he has say a $1000 deductible and his company only has to pay $200 do you think they'll actively pursue tracking the guy down? Doesn't look like it'd be worth much of their time to try to recover a loss the customer had to eat most of, but what's your opinion on that as an "insider"?

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,

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