I was in a car accident with no injuries on Holloween night.
I was traveling down a one way street in downtown Sacramento. It was pouring rain and a guy in a black truck ran a stopsign while not having his lights on.
I hit the breaks as soon as i saw him but still ended up t-boning him. He went to jail for driving while drunk. He has the same insurance company I do, Progressive.
Progressive says that they will pay for what the car is worth $19400. But i owe $29000. I dont feel I should have to pay the additional 10-11k since this was not my fault. If he hadn't have caused this accident i would still be making my payments and driving my Infiniti M45.
I had gap coverage through progressive as it was offered when i first put the car on the policy. i took the car off of the policy for a month while it wasnt being driven. i then called to add the car back to the policy and they are saying the gap coverage was not added back on.
Do I have to sue the drunk driver or should I persue things further with Progressive as it is their fault the gap was not put back on? they never told me they weren't putting it back on nor ask if i still wanted it back on. Keep in mind the car was totaled 3-4 days after reinstating the policy.
I should have just went to the hospital and claimed injuries as everyone suggested but I am not that kind of guy.
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