More details to this question:
I was recently hit by a woman who claimed she had insurance. When I contacted her company about the claim, they said that she did not have insurance with them. She showed proof of insurance with the officer that cited her. What is my next step? My insurance company can not pay out as I only have liability. No one was injured in the accident.
1 ANSWER
I recommend that you get a certified letter from her insurance company advising that she did not have coverage on the date of the accident. Request that it be put in writing and be a certified document. If she did not have coverage, you can try to report her for driving without insurance, however, that will not take care of any damages you may have. If she has no coverage, the only other thing to try is to work it out with her on your own. You can request that she pay you out of pocket for the damages you may have. Otherwise, you likely will have no route for recovery. This is why uninsured motorist coverage is important. It protects YOU against other drivers who are uninsured or who may be underinsured (have less insurance than you). Best of luck!
NOTE: This response is general in nature and should not be considered legal advice. No attorney-client relationship exists or is formed by this response.
Answered on Aug 26th, 2013 at 3:31 PM