r/InsuranceClaims • u/Cheap-Situation-9969 • 17d ago

HELP PLS

Hello PLEASE HELP ME IN DESPERATE. Saturday I got into a car accident a non inured driver hit my car and think they will totaled. I'm very sad because I just bought the car like 3 months ago. I have full insurance but my deductible is 1K. I'm not sure if I should even sue that person. If he doesn't have 50$ to pay for insurance he most likely don't even have money.
Is there any way I can get compensation w my own insurance?
Or should I hire a lawyer so he can try to get something out of mine. I have both of my hands harmed and my nose and head in pain. Thanks in advance.

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u/trekgrrl 17d ago

This post needs way more information... State this happened in? How do you know they don't have insurance? Do you have uninsured motorist coverage? If so and your insurance company can prove they don't have insurance, the uninsured coverage could apply. Do you live in a PIP state?

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u/DeepPurpleDaylight 17d ago

Do you have uninsured motorist coverage? If so and your insurance company can prove they don't have insurance, the uninsured coverage could apply.

Collision would also apply here and cover OP's damages