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Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to assisting you today.
You need to check and see if you had Uninsured/Underinsured Motorist Coverage on your policy. If you did, then you can file on your insurance and your insurance will pursue him for what they pay plus your deductible (if you have one)
If you don't have that coverage then you can sue the other driver directly. If you get a judgment against him, and there's no reason you shouldn't, you can then ask the state to suspend his license(s) until he starts making payments to you (if you agree to accept payments) or pays the total.
I have no idea why the officer didn't give him a ticket for no insurance, they usually love to write those but sometimes they send it to the driver in the mail later.
If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a Positive Rating so I receive credit for my work. Of course, please feel free to ask any follow up questions in this thread. I want to be sure that all of your questions are answered.
If you received anything asking for money it didn't come from me.
It could be something that the website automatically sends out.
You want to ask for a copy of the "waiver of UM/UIM" then. If you didn't expressly waive that type of coverage then you have it but the insurance company won't tell you that.
The UM UIM is what you're looking for. It covers any damages you suffer as the result of someone not having insurance.
The BIPD is Bodily Injury and Property Damage
No, that one covers anyone that would have suffered damages due to your actions, the UM and UIM are what should provide coverage for you.
You can tell them they lose their license if you file a complaint with the state or if you file a lawsuit. That's absolutely true.
You can also file on the UM UIM that is on your policy. The insurance company made a mistake when they told you that you weren't covered. It's on your proof of insurance card.
You may have to get an attorney involved since it says specifically on your card that you have it.
No, but none of the experts on here can represent any customers of the website anyway. It's part of our agreement with the website.
You can find a lawyer to assist you by going to www.lawyers.com and in the section for Area of Practice enter Civil Litigation or Consumer Law. Either of those will have the skill set you need.
If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a Positive Rating so I receive credit for my work.
Of course, please feel free to ask any follow up questions in this thread. I want to be sure that all of your questions are answered.