Newspaper carrier side swiped our car

[mrkgirl]

What is the name of your state? Ohio
The newspaper carrier sideswiped our car. He had no insurance & was driving with a suspended liscense. Our car is totaled. Can we go after the newspaper he worked for to get payment for damages? We only had liability insurance on our car, & no uninsured motorist coverage (big mistake) so we can't get any help from our insurance. Please let me know our options.
Thank you!

 

[Bigfoot]

Unless the newspaper carrier is an employee of the newspaper, it may be difficult. Many carriers are independent operators.

 

[hexeliebe]

While BigFoot is correct that carriers are independent contractors, there is a responsibility on the part of the newspaper to insure their agents comply with the laws of their state in regards to insurance and legally operating a motor vehicle, including being a licensed driver.

Go see an attorney. You will need help but from the slim facts you presented here you may have a back door into the newspaper's liability.

 

[knotcops]

Just for your information, uninsured motorist would not fix your car even if you had it. It is for medical injuries. Sit down with your agent and have him/her explain what all the different coverages mean and what they cover.
Don't cheap out when it comes to your insurance coverage.