So...two weeks ago my wife's car was rear ended and totaled and now today my car was parked in front of our house on the street when all of a sudden a loud BOOM is heard while sitting in the living room.
My car was struck, moved the axle up, destroyed the passenger door, and basically totaled the car. The driver was not hurt. Police came, accident report filed.
The other driver so far, has no insurance on file with the DMV. In NY state the state is notified electronically by the insurance company that they have insurance. NY state is not aware of any insurance by the other driver and they were not able to produce an insurance card....ugh.
We only had liability on the car because it was paid off and was only worth about $1,500. I should have had comprehensive on it, I didn't. We do have uninsured motorist coverage, but I thought that only covered medical bills.
Anyone have some advice.
My car was struck, moved the axle up, destroyed the passenger door, and basically totaled the car. The driver was not hurt. Police came, accident report filed.
The other driver so far, has no insurance on file with the DMV. In NY state the state is notified electronically by the insurance company that they have insurance. NY state is not aware of any insurance by the other driver and they were not able to produce an insurance card....ugh.
We only had liability on the car because it was paid off and was only worth about $1,500. I should have had comprehensive on it, I didn't. We do have uninsured motorist coverage, but I thought that only covered medical bills.
Anyone have some advice.