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Question
today we were hit by a car that was stolen . car was recovered and we have the owners info. suspects were not caught but, we got the info on the second car that they fled in . we don't have uninsured motorist on our insurance will my insurance cover the damages ??? we live in Texas thanks in advance
Hi Jose,
If you have collision coverage your insurance company will pay the damage minus your deductible. If you do not have collision coverage then there will be no coverage. The owner of the car that was stolen is not responsible for paying for your damage.
You may want to call your state attorney's office to see if your state has a crime victims fund that you could receive compemsation from.
I hope this helps
Richard Hixenbaugh
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Answers by Expert:
Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.
Organizations
Society of Certified Auto Appraisers
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present Clients
My company has done work for consumers nationwide.
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