Quote:
Originally Posted by KIS
if he does not report it, or make himself available to his company's adjustor. You are screwed.
|
Car insurance wouldn't exist if that was the case. He might screw himself out of coverage on HIS vehicle, but if he caused any damage, he's liable, and therefore his insurance company, if covered. Uninsured motorist (if purchased) would cover the victim, but insurance company would go after the other in no time.
Only instance YOU might be screwed is if there were no witnesses, you didn't write down his license plate, and you don't have uninsured motorist coverage. In a place like TX, you'd be pretty stupid not to have the latter. Enough said.