Quote:
I was driving out to see my youngest daughter Tuesday, and everything was going well until about 2335. I'm passing by a gas station that was closed for the night, where a semi was pulling in, when some ****** plows into the side of me, totally ******** my car up. The best part is that they never stopped. According to the semi driver, they "stomped" on it when they hit me.
Now I'm screwed. My insurance won't cover it, and of course I had just dropped full coverage to save some extra green for a down payment on another car three months ago. I only needed on more paycheck before I raised it back up to full coverage, but I suppose it doesn't matter now...well, not until I fix it anyway.
1) Go see a Chiro and a Neuroligist right away and then get MRI for your neck and back. You might think you are OK, but you could have spinal disc injuries that have not show their long term efects yet. Plus its covered under No Fault and you won't have to pay a dime, but you need to go now, cause you insurance co will close your no fault claim relatively quickly, and if your back and neck start having problems in a couple of months it will be a ***** to get no fault coverage then.
2) It is important to check your policy for uninsured driver coverage. I assume you have it, it might even be mandatory to a certain amount. If you do, it provides liability coverage up to that amount for unisured drivers, which since the guy took off, he is to you in this case. If your uninsured driver coverage is 25K liability (mine is 100K, but I think I pay extra to get it that high) then that is how much your insurance company will have to pay you (minus med expensives) for any injuries you may have exactly as if you sued that guy and he had to pay. With some luck you get that car paid for after all, though it may take a year or two to see the $$.