Quote:
Originally Posted by DETRoadster
Yep, what he said ^^^.
This is precisely why YOU have insurance. To insure yourself against shitty drivers with shitty policies and their shitty mistakes. Sorry you got hit and have to deal with this.
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Yup. I had this same thing happen at a greater magnitude to me in December. Someone ran a red light and hit me and my family while we were driving the Bronco. Ripped the front end off our Bronco. Damage estimate was $43K, so they totaled our car.
The at fault party insurance limit for property damage was $50,000, but the value assessed by the insurance company for our Bronco was $57,500.
So instead, we just went through our insurance agency for underinsured motorist and received the $57,500 plus taxes and tag fees we paid. Our insurance rates did not go up, since the other party was deemed 100% at fault.
Picture of our Bronco below.