Originally Posted by vladd
Ok so without going into too much detail about the accident (still hasn't been handled). I was in an accident that was 100% not my fault, and my xfire was totaled.
The insurance company? PROGRESSIVE which is my company but because the other guy hit me on purpose his insurance probably isn't going to cover him(my car...) at all so it's back to uninsured/underinsured on my own policy.
The offer for my car? $14,400
Okay, I have to ask...
What happened that caused the other guy to hit you on purpose?
Regardless, if you have it somewhere in writing that the other guy hit you on purpose, then here's what you do:
You call up his insurance company, and demand that they make you whole again.
If they say no, and state that they will not, then you tell them you will have a lawyer contact them soon, and they will be paying you considerably more than they would have if they would have dealt with you directly.
You then contact a lawyer, and get the ball rolling.
Also, have him go after your insurance company, too.
The other choice is to take Progressive's offer and then take the guy who hit you to small claims court to have him pay the difference between what you received, and what the actual value of your car was. If he has a job, the court will garnish his wages.
BC.