How much are the damages roughly?
Is this guy in Texas?
the dealer is quoting 3,000 to fix the van, got an x-ray, my back is in pain
their insurance said that they can't do anything because he is denying it
this guy is in Texas
Have you considered small claims court?
this way you avoid lawyer fees
and can seek a settlement or a judgment
the insurer will often step in but otherwise he will be personally liable
Is that clear?
yes, we considered it, but righ tnow we dont have 3,000 to fix the vehicle and small claims can take months
small claims is the most efficient
it can take a few months
but otherwise complaint to insurer or the debtor do not lead to payment
so that is your best avenue and avoids hiring and paying a lawyer locally
are you satisfied with the answer or can I clarify anything?
awaiting your reply
well, my question is, if it was a hit an run, and the person driving was not ticketed because no one knows who the exact driver is, by law does the insurance have to pay
Yes, where covered by policy
it would fall under general policy liability
were you to find the driver, then you would recover from the driver
and reimburse insurer
and insurer can pursue driver for indemnification
ok, can we send like a legal document to the insurance asking for this
You can send a notice of claim letter
asking for it to cover
noting the incident
you may seek to have your broker help with it
I wish you the best.
If I can clarify anything else, of course, ask me
otherwise, kindly select a positive rating for the answer.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).