Subject: Hit and Run by Drunk Driver – Need Advice
Hi everyone,
I recently faced an unfortunate situation: while I was away for a couple of weeks, a drunk driver crashed into my parked classic Land Cruiser in front of my house. After hitting my truck, they continued for another half block and ended up rear-ending another vehicle, totaling both cars. Thankfully, my damage is relatively minor, but since it’s a classic, repairs won’t be cheap.
I found out about the accident through the driver’s insurance, but here’s where it gets complicated: I just bought the truck and hadn’t insured it yet when I parked it, so it was uninsured at the time of the incident. The coverage finally kicked in a week after the accident.
The Progressive adjuster who came to assess the damage informed me that the driver has limited coverage, which means there might not be enough payout available, especially since the other vehicle was totaled. He pointed out that it’s quite likely there won’t be much left to cover the repairs for my truck.
If that’s the case, what are my options for getting the funds needed for repairs? The adjuster suggested I could take the DUI driver to small claims court (I’m in Colorado, in case that’s relevant), but should I also consider pursuing Progressive for compensation?
I’m feeling a bit lost on what steps to take next.
Thanks in advance for any guidance you can offer!
P.S. If anyone needs tips on avoiding Allstate homeowners insurance, I’ve got a nightmare story spanning 28 months after a house fire!
I’m really sorry to hear about your situation. It sounds incredibly frustrating, especially with your classic Land Cruiser being involved. Unfortunately, since your vehicle wasn’t insured at the time of the accident, it complicates matters.
Here are a few steps you might consider taking:
Understand the Insurance Limitations: Since the drunk driver had limited coverage and you were not insured at the time, the payout for the damages will likely be constrained. It’s important to find out what her policy limits are, as this will directly affect any potential compensation.
Small Claims Court: If you decide to pursue the individual who caused the accident, small claims court can be an option. However, keep in mind that even if you win, collecting from her could be difficult if she doesn’t have the funds. Research the small claims process in your county carefully to make sure you’re prepared.
Consider Legal Advice: It might be a good idea to consult with an attorney who specializes in personal injury or property damage. They can provide guidance tailored to your specific situation and help you understand your legal options, including potential claims against the driver or exploration of any provisions in the insurance policies.
Progressive’s Role: Generally, you would not be able to go after Progressive for payments directly if you are not an insured party in their system, but you could inquire whether they have any additional resources or suggestions, seeing that you’re affected by their insured’s actions.
Document Everything: Keep detailed records of the damage, estimates for repairs, correspondence with insurance companies, and any communications regarding the accident. This documentation can be crucial for any legal proceedings or insurance claims.
Consider Future Insurance: Once this situation is resolved, make sure to take steps to insure your vehicles as soon as you buy them to avoid facing a similar situation again.
I hope this helps, and best of luck with getting everything sorted out!