how do i purse the insurance company of the driver that hit my car?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Sep 18, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from East Stroudsburg, PA
Asked on 09/18/2012
how do i purse the insurance company of the driver that hit my car? i got into a car accident and my insurance company declared it a total loss and paid the bank what they thought the car was worth, (which was less than what i owed). i ended up owing my bank almost $3,000.00 i would like to know how can i go about getting this amount paid by the gentleman that hit me insurance company? i was told by me insurance company that i would have to write them i letter which i need help with because i do not know were to begin. Please help. Thank you in advance.
Answer given on September 23, 2012
When you are in an auto accident and your car is totaled by another driver, that insurance company will determine the current value of your car and pay for the amount determined as the actual cash value of your car. Often times this is not the amount that you owe on your car or what you feel your car’s value was.It is your responsibility to prove that your car had a higher value. You can do this with current ads locally showing an increased value for your car. However the insurance company can deny your claim and still only pay the amount originally offered.Yu can file a claim in small claims court against the other party, but there is no guarantee that the court will find him responsible. Again, you are entitled to the value of the car. The court may not decide that you are owed any more even though you owed more on the car.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.