Unless you have an uninsured motorist coverage attached to your PLPD policy, you are otherwise screwed. Your only other option beyond this is to sue the driver if they got caught. Well we all know lawsuits can only be so effective but they can take time and money to complete. Even if you win you aren't guaranteed any money, if the other party ever pays at all. Moving on, PLPD only covers any At Fault accidents YOU may have. When I had my first car I had PLPD BUT I had an uninsured motorist coverage on my policy. It turned out that was the right thing to do because I was involved in a hit and run myself, and since the other party was deemed as having no insurance, my car was paid for.
Anybody involved in an accident. Damages are covered regardless of fault.
Damages to other's vehicles, property, or persons in an accident where you were found at fault. In "no fault states" each person's policy covers the other's damages without requiring determination of fault.
If you are involved in an accident that is not your fault you can sue on several grounds. Damages to the vehicle if you owned it. Medical bills if injured, pain and suffering, lost wages, etc.
A persons immigration status has no bearing on your liability. If you were at fault then you are liable for the damages you caused.
Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.
Yes. If you were at fault then you are liable for the damages you incurred.
The fact that they were a police officer has little to do with the accident unless they had their lights on and were responding to a call. Otherwise, fault will pay for damages. That's all.
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
Yes,, That's what it's for. It pays for damages you caused to another.