If you are hit from behind it is virtually always the other driver's responsibility/fault. If that driver had no insurance, there may be uninsured motorists property damage cover on your policy and if so it may have a lower deductible than your collision coverage. IMPORTANT NOTE: most insurance companies have a limit on the amount of time in which you can make an uninsured motorist claim. Sometimes it is few as 30 days, so you need to get busy. Contact your insurance agent and if you purchased your policy from a direct writer (no agent per se involved), then contact the insurance company claims office tout suite and start rattling their chain.
If you are hit by an uninsured motorist and you have no applicable coverage of your own, you'll probably have to sue the other person.
Sorry to hear this happened to you.
Thanks for this advice Jon,
I have already contacted my insurance company and they are aware of everything. I have the offending party's info and have filed a claim with geico (their insurance company). Now its just a waiting game I guess. My biggest concern is if they decide to total it. How much will I get? What are the chances they total it? I dont have any idea how much it costs to get a frame straightened, or what repair work on the wrecker body would be.
Spartan
