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Answered 2009-02-04 05:12:05

Car insurance in general is not built for you when you are not At Fault in an accident. You should complete a police report and and contact an attorney to help sue the at-fault party. If you have just liability you are not paying your insurance company for help in this matter. Liability pays for the damage you cause when you are at-fault in an accident.

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The type of attorney that handles product liability claims is acatually a product liability attorney!

I'm assuming you have homeowners insurance. You should contact your agent or the policy services dept. of your insuring company and discuss this with them, there may not be coverage under your liability portion of your homeowners policy to cover him, and you may want to add an endorsement. Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! State Insurance Department websites:

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When you shop for car insurance, know about your state's auto insurance laws. Find out whether your state operates on a no-fault or tort system, which will determine how your claims progress and are processed and whether things like liability coverage will be used in a standard claim. You should also find out about your state's minimum requirements for car insurance. Knowing the law is important, because you can get a better handle on what you need to buy and why your insurance rate is priced where it is after reading about the factors that affect auto insurance in your state.

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If your Insurance co. gets involved it will cost you your deductable. If you want to do it on your own, you need to consider two factors: 1). How well do you know the Insurance dealings and practices? and 2). How good of negotiator are you? Keep in mind, the INSURANCE CO. ARE NOT IN BUSINESS TO GIVE MONEY AWAY!!! I would give it very careful thought before proceeding on my own. If you have any doubts, let your insurance co. handle it. My advice is based on nothing else but experience.

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With hundreds of different insurance packages to choose from, try visiting the site listed under the related links for guidance on how to best handle your insurance issues.

They do not want to handle cancelaton....ㅡ.ㅡ

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Pay cash or check with the money you saved by not buying insurance. Insurance companies only pay out about one dollar for every three dollars they take in.

Don't believe them. Call your insurance company and let them handle it. If you don't, you could end up paying for something that you are not even responsible for. And the people could come back through their insurance company later and get you to pay again. The best thing is to call your insurance company, that is what you pay for.

Let your insurance company/agent handle the claim--they will collect from the other insurance if there is a valid claim. You'll need a police report.