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

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,
Marc

Follow Ups:

Re: Your advice is good since IAL... Marc 15:46 10/30/2000 (3)
- TFI... SL 06:12 10/31/2000 (2)
  - I can only speak for my company but..... Big Daddy 09:39 10/31/2000 (1)
    - This is the opposite situation though... SL 14:30 10/31/2000 (0)

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