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Auto Insurance Claims/Drove over curb and into wall

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Expert: Bennie719 - 12/14/2007


Question
Somewhat after 10pm last night I turned onto a small road in my neighborhood.  A big truck was screaming towards me and I drove over a curb and into a stone wall causing a lot of damage to my car.  It drives with a little wobbling but I am wondering if my insurance would cover that since the other drive fled the scene.  Should I call the police also?  Wasn't hit and run but he/she did inadvertently cause the accident. Thanks in advance!

Answer
Hi John,
You can report this to your insurance company and they will repair your car, less your deductible.  If the total damage exceeds $500-$750, depending on your state law, it will be considered a fault accident since the vehicle that forced you off the road was not identified.
Hope this has been of help.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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