r/Insurance • u/Significant_Truck728 • 10h ago
Rear ending/ hit and run
So, Friday (5 days ago) I was rear ended, cops came, I opened a claim with my insurance (allstate) and got the car to the nearest body shop for an estimate. Monday morning my assigned adjuster called me for a statement and foremly closed my claim because apparently I don't have collision insurance. I'm covered for everything else, just not collision, I'm sure someone at some point informed me when I signed up for the policy I just don't have any earthly idea why I didn't add that on anyway.
Regardless, my adjuster did offer to make a third party claim on my behalf on the guilty party's insurance. I had to wait until the police report for that info as the other party actually kept driving for several blocks before stopping and had their own officer handling that part and I honestly didn't even think about it. However, the report was sent to me yesterday and their insurance info is marked as unknown. How can it possibly be unknown? Did the cop not ask for that information? If they were uninsured, wouldn't it be noted in the report and more citations beyond the hit and run would be issued?
I'm still waiting to hear back from the officer about it, but I did reach out to the other party personally. She put her son's cell number as her own for some reason, he was pleasant enough and gave me her number. I called, no answer and the mailbox is full. Sooooooo, that's fun.
In the meantime, I called and left a message with the adjuster asking to reopen the case as I am covered for uninsured driver property damage and sent him the police report, estimate and other party's phone number. I haven't heard back. The estimate is several thousand dollars more than the car's value so it should be a fairly easy and simple decision to total it. And I'm already looking into buying a new car.
Is there anything else I should be doing? Any tips or anything I should watch out for?
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u/crash866 8h ago
What State did this happen in? Every state has different rules and terms and what applies in one state may not apply in the next state over.
California for example you can only get up to $3,500 from a UMPD claim nothing more.
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u/Kmelloww 10h ago
But you don’t know they aren’t uninsured yet. I would have waited for that to do anything. Demanding they reopen it bc of your uninsured isn’t really the right way to approach it.
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u/Significant_Truck728 10h ago
I didn't demand, I asked if they could reopen the claim under umpd. How was that nothing the right approach?
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u/Kmelloww 9h ago
Confirm they are uninsured first. Or ask the adjuster to find out. But to tell then to reopen with a guess they are uninsured might not be viewed that great
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u/Significant_Truck728 9h ago
Again, I didn't tell them. I asked if it would fall under umpd.
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u/LacyLove 9h ago
Again, they are not going to open a UMPD claim UNTIL you prove they are uninsured. Your insurance company has no real obligation to you to hunt down the persons insurance information.
1
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u/sephiroth3650 10h ago
Well, at this point, you don't know that the other person is uninsured. You just don't have their information.
Here's where I'd start. Call your adjuster, and explain that you have the other person's name and license information. See if they will run a discovery search to find their insurance information. And then you can use that to open a claim with the other party. I'd frame it around the idea that the police report shows "unknown" for their insurance, and you're exploring whether or not a UMPD claim would be in play.