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I was involved in a hit-and-run (not my fault) and I was able to grab the make/model and tag numbers off of the car and take a picture of it as it sped away... police track down the car, but the person it's owned by/had the insurance policy wasn't the person driving the car (hit-and-runner was male, policy owner was female) and she wasn't giving anyone up; she claimed to not even know that the car had been used despite being at home all day... she also didn't file a police report that the car was missing and when police did go to her house 2~ hours after the crash, the car was there, so......  Anyway, I go though the whole insurance thing by paying for repairs through my insurance company (Geico) with the expectation that her insurance company (esurance/Allstate) will get me back for my deductible since it was her car that was involved in the crash. Unfortunately, today I received a letter from esurance/Allstate claiming that they "have determined that this policy does not afford coverage for [my] loss." Doesn't even the bare minimum auto insurance cover some amount damage to other vehicles? Is there some weird rule that the insured themselves must be driving the insured vehicle for them to cover damages?
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Sep 15, 2012 22:38
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| # ¿ May 4, 2024 11:33 |
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