Got in a accident with a non insured driver

and why did the air bags not go off on the other persons car?? or mine for that matter as we have side impact bags on it as well

 

Glad no one was seriously injured. Good luck sorting through the mess. It sounds like a nightmare. This is were you find out if your agent is worthy of your business.

That's how you'd think it would be but unfortunately it isn't. My mom had her car hit in a parking lot and the loser left. Her rates went up.

 

I am hoping they replace both the doors and fender on my car and not try to repair them somehow, although the damage on the rocker well have to be repaired / not replaced

 

@Elderwelder I feel for you. I went through something (not exactly) similar last year and I was sure going to get the short end of the stick one way or another. Cost me a bunch of stress for a couple months. In the end, it all worked out fine. Hope this gives you a little ray of hope.

 

My dad T-boned a Ford Ranger going about 40-45 while towing his 18 ft bass boat.Everything was totaled and his airbags never went off! 3 days later the Feds showed up at the tow companys lot inspecting his truck.

Gary

 

Couple different comments on this one.....Each state is different but here in Ohio insurance follows the car primarily, in other words the owner if they had insurance on the car it would cover the loss first. Drivers insurance if she had any would be secondary.

Air bags likely did not deploy because it was a glancing blow not a dead on hit, air bag sensors are an inertia switch. BUT, I have seen several that should have deployed and didn't.

Just from the pictures I would say fender and frt door will need replaced and rear door and rocker repaired.

Your carrier should subrogate against any insurance that may be present first and then against her on a personal basis.

Best of luck to you and hope the Mrs. is ok other than a little sore.

 

I think I am going to be on the hook for my $500 deductible for the collision portion of my ins. since other person does not have any ins and it was their fault.

 

That's total bs on how so many people have no ins and when they do get into accident nothing happens to them. Their car should be taken away..hope the wife feels better.

 

If you alert someone like Grizzly Adam, he can pull it out of this thread for you.

 

Please let us know how you make out either way if you would .

 

Any new information from your insurance company ? Or the local police department?

 

I have to take the car in tomorrow afternoon to the auto body shop for estimate / evaluation, I went down to the cop shop to get a copy of the police report, they said i need to go to the other side of town to a different building where records are so I well do that tomorrow after i get out of the body shop

I just want the report to see what it says as the cop already told me he is submitting it as other driver at fault and issuing a citation for no ins

My agent told me the car well be fixed under the uninsured motorist coverage on my policy and not the collision coverage. collision coverage is a $500 deductible where the uninsured motorist is either $100 or $300 but either way i am going to have to pay out of my pocket

 

damm, that really stinks. Good luck with all the hassles

 

so my ins companies claim adjuster guy just called me, told me my uninsured motorist coverage well indeed kick in here and my deductible is $100 on it and to go ahead and get the car into the shop
they well attempt to go after the person that hit us for the repair cost of my car and my $100, but he said dont hold my breath

also even though I do not have rental coverage on my policy it is covered on the uninsured motorist section on the policy for a compact @$21.50 per day, I pay upfront and they reimburse me. Can I even get a car for $21.50 per day?

I dont really have to get one as wife is driving my Nissan Frontier now, and I am left with my '87 Yota 1 Ton Dually Flatbed to drive to work and back. but if they pay for a rental I may as well take it