Ok I need some advise... Friday my car was parked in a driveway or a friends house. A guy who hit my parked car was not the legal owner of the car he was driving it was his ex wife's and insured under the ex wife's name. I did not get a police report because when I called them they said it would be over a hr and I had to pick up my son from school so now he nor his ex wife will return the insurance calls what should I do
You can go through your own insurance if they will not cooperate. You can file a late/counter police report. If you have no insurance you can sue the responsible party in small claims court. Good luck.
I agree with Attorney Yorke. If you have collision coverage on your policy, you should file a claim with your insurance company. If you do not have such coverage, you can go to small claims court on your own. Once the other parties are served, I'm fairly sure they will be calling their insurance company ASAP.
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First try to claim the policy that provides coverage for the vehicle that hit you.If the guy who was driving is the named insured under his ex's policy, you should have no problem with coverage. If you run into coverage issues, i.e. the guy is somehow excluded under the policy, you can claim your own insurance through either collision or an uninsured motorist provision. Good luck!
If you had collision coverage on your car, then your insurance company should pay your repair bill and then will pursue a claim for reimbursement against the insurer of the vehicle's owner that hit your car. If the driver did not have the consent of his ex-wife to use the vehicle, then your carrier may not be able to get paid from the wife's carrier-but this should have no effect on your claim. Consult with counsel and you will be fine.
The responses provided to your questions are not legal advice, do not create any attorney client relationship, and are provided for informational purposes only.
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