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My car was crashed into while it was parked in the parking lot of my condo by a driver who swerved into the parking lot from street while supposedly avoiding hitting a third car. We duly put in the claim to the insurance company of the owner of the car - which has now sent us a letter explaining that they are handling the claim under a reservation of right and may not coverage may not be afforded the insured for this loss.
I don't have collision insurance, bear absolutely no fault int his accident, and my car has been officially considered a total loss by the insured's adjuster. If / when the insurance company denies my claim - what alternative source of recover might I have? Can i sue the owner of the car? Can i sue the driver of the car (who is different than the owner)? thanks
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