The driver who hit my car does not have any auto insurance, my car is a wreck and I suffered some cuts and bruises. What are my options?
If you have Collision coverage for the wrecked car, file a claim against your own policy. Take note that you would have to pay the deductible and you would lose your No-Claim discount upon renewal of your policy. If you have Medical payments coverage for the wrecked car, you can claim your medical expenses. The usual limit is $2,000 or $3,000 per person. If you have Uninsured Motorist coverage, you can also use this to recover insured medical expenses and lost wages. · My car was modified by installing aftermarket accessories worth $5,000. I was not able to notify the insurance company of these accessories. Just my bad luck; my car was stolen, would the accessories be covered? back to top If your car is covered for Comprehensive you can file a claim for the blue book value of the car. However, since you were not able to declare the accessories, these would not be included in the amount of settlement. It is advisable to inform your insurance agent if you modify or add any accessory to y
