Hit and Run

[jstock]

Not aviation related, but looking for help.

Today I had a lady run a red light resulting in a colition with my car. She fled the scene but I chased her down and caught her. She then started to deny the whole incident. I have 3 witnesses and the cops gave her 3 tickets.

Problem is that she has no insurance and if I report it to mine my rates will go up. I need my car fixed so the police told me that I could take her court, but she did not look like she has enough money to pay for it.
Oh yeah, she has a mullet. I had a camera with me but felt that it would be inappropriate for me to ask her to pose for a photo, sorry.

Anyone go through anything similar?
Any words of wisdom that you could please share with me?

Thanks for any help you can give,
Jeff

 

[FL000]

Your rates should not go up as a result of a uninsured motorist claim. Your carrier will subrogate the claim against the other driver and recover their loss through litigation or settlement. File it.

 

[CHQ Pilot]

I'll second that your rates should not go up. A mother driving a big Suburban didn't look behind her and backed into my car. It wouldn't have been that bad, but when she hit my car she thought I must have been a speed bump , so she pressed on the accelerator. I drive an Explorer, so how she didn't see me I don't know, but it did about a 1000 in damage. She denied everything and I had to get my insurance involved. The came out, looked at it and told me they felt it wasn't my fault. I wasn't happy that I ended up having to pay the deductible to get it fixed, but that was it. At the next renewal for my insurance, my rates actually went down.

 

[Eagleflip]

What's a "mullet?"

 

[jstock]

What's a "mullet?"

I am sure that your are just kidding, but a mullet= Hair cut. Buisness in front/Party in back. Just like Joe Dirt.

 

[SpiderMan]

What's a "mullet?"

click here eagleflipper: http://www.mulletsgalore.com/

Then go to the link towards the top called MOTW ( i believe that stands for mullets of the week).

 

[jstock]

Talked to my agent, looks like I am out my deductable.
Thanks for the help,
Js

 

[FL000]

Jstock,

It might take a while if it happens at all, but you will get your deductible back if your company recovers 100%. Keep your adjuster on the hook about that.

(Mullets...if you don't know what one is, you probably have one.)