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Complaint 3 of 13 in "Rear Ended"
Insurance Carrier: State Farm
Person hit my car from behind and was ticketed; police called in both insurances and hers showed to be up to date. When I got home she called and informed me, hers had been cancelled. How long does it take for the DMV to be notified when insurance is cancelled? So I am insured and I will have to take the hit and she doesn't even get a fine. I also have to pay my deductible. Do I have any recourse?
Insurance Expert Answer:
If you have collision, you're okay. Yes, you'll have to pay the deductible up front, but the car will be repaired. Your insurance company will then go after the driver that hit you. When and if they recover your company will reimburse you in whole or large part (less costs of collection). If they don't want to go after the other driver ask them to send you a letter so you can take her to small claims court. The problem of uninsured and unlicensed drivers is a major one, and as economic times get tough, it will only increase.