AboutRichard Expertise I have been the no-fault insurance administrator and arbitration specialist for 18 years working for a plaintiffs` law firm. I have a copy of and am familiar with the newest Reg.68 of the New York State insurance law and have sucessfully represented over 300 applicants at hearings and have guided more than 1,500 more that didn`t need to actually go to a hearing.
Question I am a 17 year old with a provisional license. I was stationary at a stop light when a car came from behind and rear ended me. He was coming so fast I, then, hit the car in front of me. The car at fault was uninsured and the driver was arrested at the scene for reasons unknown. My back bumper is cracked, and as for the front, I need a new hood and lights (so far that's all we know). The car that I hit is completely undamaged except his bumper was turned under. The police told him his car was fine and to leave the scene. Also, no one was injured. Will my insurance cover all of my damage? And will the person I hit try to sue me? What should I do?
Thank you in advance !
- Candace
Answer Hi Candace, first thing to do is obtain a copy of the police report for future use. The person you hit could sue everybody in a matter such as this but unless he lies and claims that you first hit him and then were subsequently hit in the rear and hit him a second time you will be let out of his case. If you carry collision insurance then your insurance company should pay for your damages and then seek restitution from the uninsured driver via lawsuit, judgement and garnishee on his future wages and a lien on his personal property. If you do not have collision insurance then you will have to sue the uninsured driver yourself.
