08-29-2018, 01:08 AM
Worst case, if they had said you were out of luck and she wasn't insured you could still go after the other driver directly without involving your insurance company. Definitely would be more of a hassle, but I've done it twice when I had high deductibles to save some money. That way instead of getting the payout of the car minus my high deductible I get the entire payout by keeping my insurance company out of it.
Both situations were cut and dry from my perspective (the other party was arrested in both cases(drunk drivers) so there wasn't any argument from their insurance companies on fault. Both of them settled very quickly vs dragging it out and having me appear in court against their client at their DWI hearings and giving impact statements.
Both situations were cut and dry from my perspective (the other party was arrested in both cases(drunk drivers) so there wasn't any argument from their insurance companies on fault. Both of them settled very quickly vs dragging it out and having me appear in court against their client at their DWI hearings and giving impact statements.