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