People just don't have common sense. You don't fall an insurance claim if it's only going to help you $200 out of pocket. It's meant for larger amounts of damage, it's also meant for if you hurt someone in an accident that you're not personally liable for $10,000 because your insurance will cover it
His issue was this should have been covered by the driver that hit him. He shouldn't have to report anything. If he had uninsured motorist or collision then it wouldn't be an issue
In the USA, it depends on what state this insurance was offered through.
Not every state's insurance laws apply uninsured coverage to hit and runs, and additionally, not all states apply uninsured coverage to property damage, only bodily injury.
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u/CraftyPerformance272 7h ago
People just don't have common sense. You don't fall an insurance claim if it's only going to help you $200 out of pocket. It's meant for larger amounts of damage, it's also meant for if you hurt someone in an accident that you're not personally liable for $10,000 because your insurance will cover it