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Auto Insurance Claims/stolen vehical hit and run
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Question
Hello, I'm was in a hit and run with a stolen vehicle. The vehicle went into my lane and side swiped me. I don't have collision so I'm being told the other insurance company will not pay and mine will not pay either. I do have comprehensive though, what are my chances of arguing that the person that hit me was intending to do it and therefore it would be considered as vandalism?
It is unusual to have no collision coverage, but to have comprehensive coverage. However, the argument that the other party damaged your car on purpose will be very hard to get by your company's claims office. Your best bet is to seek recovery of the cost of repair from the party that was driving the stolen vehicle. That is, if he has anything to take. You can file claim in a small claims court against him.
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Answers by Expert:
Charlie Barone
Expertise
For questions involving auto damage claims, collision repair, forensics, industry practices, we can help. We specialize in claims for loss of resale value (Diminished Value).
Experience
I have 30 years experience in the collision repair and body reconstruction field, both hands-on and from behind the desk. I hold a Master Certification from ASE in the Body and Paint category, as well as their certification in Estimating. I have authored over 120 feature and training articles for the largest trade journal devoted to the collision repair industry, and have given expert testimony in court dozens of times. Licensed physical damage appraiser in Pennsylvania and reciprocal states.
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