Frequently Asked Question:
A car crashed into my house and my car, no insurance , how can I prevail?
I woke tonight to a awful loud boom beneath my bedroom, and my house shaking. A lady ran her Chevy S-10 into my garage door, completely destroying the garage door damaging the house near the garage opening, and to top it off she hit my new truck on her ridiculous rampage. Police sighted her with not having current insurance, however she says “I think I might have insurance, but I’m not sure”. Of course it will turn out she doesn’t have insurance and my insurance will have to foot the bill. Police did several reports and did all they could do to document what happened. I also took several pictures of the damage. I do have insurance on both the house and the truck, with a moderate deductible. My concern is that my insurance company will try and low ball me and I’ll be stuck with a partially fixed house and a dented up truck. Does anyone have any advice on what I should do next? Who should I sue…lol. I’m just looking for some legal guidance.
P.S. If you want a laugh, this is how it happened… The driver had accidentally backed her vehicle on my front lawn(which has a significant downhill grade). She was worried she was going to ruin my lawn so she decided her and her passenger were going to push it out. She place the car in NEUTRAL and THEN GOT OUT OF THE CARE TO PUSH! I guess shes never heard of gravity..
Answer by kateg
First thing first, don’t settle quickly with your insurance company. And get an attorney if she does not have insurance. And don’t make any decisions now, take in everything that has happened, allow things to settle before decisions need to be made – you need to think clearly. Find out her insurance status.
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Crane Service Categories Crane Svce. Cranes acme crane service inc
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Take things slowly, if she doesn’t have insurance, then you (or through your own insurance company)would have to sue her for the damage.
Wait to find out what insurance (if any) she does have, then talk to your insurance company. You could claim on your insurance and let your insurance company screw her in court. At the very least, it sounds like she is guilty of negligence, insurance or not, so you would have a good case.
The only other option is to get repair estimates for the damage, see what your insurance company offers and then sue her for the difference (including your excess).
Whoa, some people just don’t think, huh?
First thing, call your respective insurance companies (homeowners and auto) and file claims. Of course there will br deductibles, however your insurance companies will get all her information from the police reports. Then, once they’ve settled with you, they will pursue the owner of the vehicle (insured or not) to get a reimbursement, including your deductible.
You do not need a lawyer. Most lawyers will not take a case like this, because there’s nothing in it for them. There’s no negotiable settlement amount, because it’s just property damage.
Your best course of action, in my opinion, is to sit back and let your insurance companies handle this for you. It may cost up front, but it will be far less hassle for you in the end. And, if there’s any suing that needs to be done, your insurance will do all that for you, too.