G
GeoRock
Guest
What is the name of your state? California. A drunk driver hit fire hydrant, signs, then my parked 4runner in my driveway, which in turn hit my jeep. He was unlicensed, uninsured. Car registered owner was insured with AAA, but for only $5-10 property damage. Drunk arrested, that car totalled (1990 Hyundai). I thought my own AAA policy was enforce, learned it had cancelled Oct. 25, 2002, Friday. I never received cancellation letter, thought I had made that month's payment that was due Oct. 1st. Accident on Oct. 27, Sunday. I called AAA Sunday, reported it on my policy. Learned next morning my policy not in force. I reinstated it that day, but AAA sent me letter saying they'll cancel me for good if I don't agree that I'm not covered for those two days. Driver has nothing, it's likely he is illegal. Have heard through grapevein he's leaving for Mexico to avoid responsibility. My toyota is valued at about $15,000. My jeep's got about $500 damage. Other property damage is about $300. At our expense, transported 4runner to garage on flatbed truck, another $150.
My question: My total damages are gonna be nearly $16,000. However, their property damage is only good for $5-10 thousand. Is there any way to get their insurance to cover more then the property damage limit? Should I get a lawyer, or will that expense also be out of my pocket? I'm without a car, but I don't want to rent one at my expense either. The Hyundai's owner has filed a claim for his own vehicle. Is there any way I can get his check for his totalled car, instead of him getting it? Can I file a lien on his car tomorrow for damages? If I could, would AAA have to pay me (the lein holder) off first?
Will I have to take the Hyundai's owner to small claims court? Is there any way of getting money out of him faster/sooner/other methods?
Since my insurance policy was reinstated, even with the same policy number, is there a chance that my insurance could be forced to cover this? I only have 3 more days to contest their letter they sent me.
My 4runner and jeep were parked on private property and not in operation. Do I have to file an accident report with the DMV?
Please help me, I am so lost as to what to do. Thanks!
My question: My total damages are gonna be nearly $16,000. However, their property damage is only good for $5-10 thousand. Is there any way to get their insurance to cover more then the property damage limit? Should I get a lawyer, or will that expense also be out of my pocket? I'm without a car, but I don't want to rent one at my expense either. The Hyundai's owner has filed a claim for his own vehicle. Is there any way I can get his check for his totalled car, instead of him getting it? Can I file a lien on his car tomorrow for damages? If I could, would AAA have to pay me (the lein holder) off first?
Will I have to take the Hyundai's owner to small claims court? Is there any way of getting money out of him faster/sooner/other methods?
Since my insurance policy was reinstated, even with the same policy number, is there a chance that my insurance could be forced to cover this? I only have 3 more days to contest their letter they sent me.
My 4runner and jeep were parked on private property and not in operation. Do I have to file an accident report with the DMV?
Please help me, I am so lost as to what to do. Thanks!