Could a car without Car Inc. get fixed from being hit while parked, by the car ower who hit the car and ran?

Question

My husband car got hit Sunday morning while being parked, we we're at church when it happened, and the car runs good and everything, but it so happened my husband stop paying the car Inc. on it. I was just wondering if the person who hit his car, could there car Inc. still fix his car without him having any Car Inc. on it.

Answer 1

If you can find out who did, you should be able to have their company pay for it, under the property damage portion of their liability coverage.  But there won't be any coverage from your already-canceled policy.  And if you can't find out who did, you're stuck.

Answer 2

First if you trying to abbreviate Insurance, its INS not INC.

Second, if you have the persons information, you can contact their insurance company and make a claim.

But if it was a hit and run like you say, and the at fault party is unknown, then you will have to repair your car on your own.

Answer 3

Sure, if you know who hit you, you can make a claim on their insurance to get your car fixed.  If you don't, if you have insurance which included collision, you could still get it fixed, but since you don't have insurance, you're going to pay out of pocket.

Answer 4

If you know who struck your vehicle, then yes, you can still file a claim.   It does not matter that you were uninsured.  Two states still do not require auto insurance.  

However, some states have adopted the No Pay, No Play statute.  If you do not have insurance they may not pay.  This is usually limited to non-economic losses.

Why did your husband just stop paying for the insurance anyway?  I suggest he reinstates his coverage.