by gotscrewed » Thu Dec 23, 2010 09:01 pm
My insurance coverage ended on Dec 9 and i forgot to pay for the renewal. According to the letter I received last week my insurance company will reinstate me if I paid by Dec 29th. So I paid today.
However a guy hit a bunch of parked cars including my car in a parking lot and died on the spot. I will get the police report next week from our local police station.
So now what should i do? Should i wait for the police report and file a claim against this guy's insurance company?
Should I contact my insurance company and ask them to deal with it? Will they actually agree to handle this claim?
However a guy hit a bunch of parked cars including my car in a parking lot and died on the spot. I will get the police report next week from our local police station.
So now what should i do? Should i wait for the police report and file a claim against this guy's insurance company?
Should I contact my insurance company and ask them to deal with it? Will they actually agree to handle this claim?
Posted: Thu Dec 23, 2010 11:57 pm Post Subject:
Should I contact my insurance company and ask them to deal with it? Will they actually agree to handle this claim?
Do you have collision coverage on your vehicle? If not, your carrier won't do anything.Did your vehicle get hit before or after you made the payment to your carrier? If a carrier reinstates a policy after it expired they usually require that the person sign a statement stating that you've not been in an accident.
The issues you will probably have with the other carrier is if their insured is liable (I don't know if he died and this is why he hit the cars) and also a policy limits issue if he struck multiple cars.
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