What are your rights if a person's car hits you and they don't have auto insurance?

Question

This was a non-reportable vehicle accident. The person's car who hit mine was a manual and somehow came down the hill and hit my car. No one was in that person's car. But it rolled down and hit my car. I went to a dealer to get an estimate and it was about $955. I have car insurance, but the other guy doesn't. I have full coverage, but my deductible is $1000. What are my options? The owner of that car who hit me said that he is a mechanic and can fix my car. What should I do? Should I allow him or should I ask for his certification/license? I don't know if I can trust them either. I would rather have someone else fix it. Or should I just ask him to pay for the accident since he doesn't have car insurance? Is there a way where I don't have to pay anything? Any information what so ever will help out so much. Please give as much feed back as possible. I'm really looking for some possible answers.

Answer 1

The person who's car hit you is absolutely liable, driver or not.  Some states offer Uninsured Motorist Property Damage, check with your agent to see if this applies.  You can request a copy of his mechanics license, take him to small claims court or tell him you have a body shop that you use and ask him to pay them.  Either way, sounds like your on the right track since he has taken responsibility.  Good  Luck!

Answer 2

1) Just report it to your insurance.  Policy carry a Uninsured Deductible Waiver coverage (hopefully you have it).  They can waive your deduct, repair you car and they do the leg work on approaching this other person or their insurance.



2) It is your option of where you want the vehicle repaired, go with someone you trust.

Answer 3

Sue him for the deductable, if you are nice. If it were me I would sue for the entire amount, which is allowed. It's about 125.00 to file a small claims complaint, but when you win he will have to pay that also, in some states you are allowed to sue for the entire amount even through your insurance paid you, as you are paying the premiums, it does't let the other person slide because you are a responsible person that pays your insurance.