:( Not even one week of owning the car!

nis350 · 05-11-2015, 11:22 PM

They might consider this to be your fault without any evidence. I assume you didn't get the plate number?

Quote:

Originally Posted by darkphantom

As far as the concern of it being my fault, I have a police report written but unfortunately no witnesses. There was a construction site near by that I went to ask if anyone saw the other guy's truck/license plate but they said no one even knew what happened since they were all working.

JARblue · 05-12-2015, 06:47 AM

Quote:

Originally Posted by nis350

They might consider this to be your fault without any evidence. I assume you didn't get the plate number?

That's what uninsured motorist coverage is for. It doesn't affect your rates. Also, he is only having to pay a $250 deductible under the uninsured motorist coverage instead of his normal $1000 deductible.

darkphantom · 05-12-2015, 07:51 AM

Quote:

Originally Posted by nis350

They might consider this to be your fault without any evidence. I assume you didn't get the plate number?

Unfortunately, no. I did get a description of the vehicle, though and the direction it was headed when I made the police report. We'll see what happens. Really no way any one can "run into a curb" on a straight away.

I did ask about the uninsured motorist claim but they are stating because there was no physical contact, they cannot claim it that way, however, it is still being filed as a no-fault claim.

JARblue · 05-12-2015, 08:07 AM

Quote:

Originally Posted by darkphantom

Really no way any one can "run into a curb" on a straight away.

You might be surprised

Help guys....!! god bless you !!

Quote:

Originally Posted by darkphantom

I did ask about the uninsured motorist claim but they are stating because there was no physical contact, they cannot claim it that way, however, it is still being filed as a no-fault claim.

darkphantom · 05-12-2015, 10:27 AM

Quote:

Originally Posted by JARblue

You might be surprised

Help guys....!! god bless you !!

nis350 · 05-12-2015, 08:48 PM

Uninsured Motorist coverage is only applicable if the other party is at fault and without insurance or under-insured.

Be sure to have as much info as possible to support your case. They will try to pin it on you to recover the cost of the repair.

Good luck...

Quote:

Originally Posted by darkphantom

Unfortunately, no. I did get a description of the vehicle, though and the direction it was headed when I made the police report. We'll see what happens. Really no way any one can "run into a curb" on a straight away.

I did ask about the uninsured motorist claim but they are stating because there was no physical contact, they cannot claim it that way, however, it is still being filed as a no-fault claim.

37zeroZ · 05-12-2015, 11:03 PM

Quote:

Originally Posted by darkphantom

Unfortunately, no. I did get a description of the vehicle, though and the direction it was headed when I made the police report. We'll see what happens. Really no way any one can "run into a curb" on a straight away.

I did ask about the uninsured motorist claim but they are stating because there was no physical contact, they cannot claim it that way, however, it is still being filed as a no-fault claim.

It's understandable that an uninsured motorist claim is not being applied in your situation. I believe Texas does not have no-fault insurance laws, so I don't understand what it means when the insurance company will file as a no-fault claim. I suspect in the end, your rates will go up.

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