Does the insurance cover the driver, or the vehicle?
My car was parked on the street in front of my house, perfectly legal-like. Tuesday evening, someone backing out of the driveway across the street from my house ran into my car. Driver brings me insurance info the next day, but the vehicle that hit me wasn't his. Belongs to a friend, and he's "working on buying it". So I call the insurance company on the vehicle, only to find out that the owner dropped coverage 2 months ago. So no help there. I call my insurance only to be reminded that I've got liability only, and no uninsured motorist coverage for non-injury claims.
So I'm screwed with both insurance companies. My question is this. If the guy driving the vehicle that hit me has insurance, will his cover the accident, even though he wasn't in his own vehicle? I've filed a police report, and will be getting an estimate on repairs today. Also, the insurance company for the other vehicle is going to fax me a statement that the vehicle that hit mine was not covered by insurance at the time of the accident. I know I shouldn't have a problem getting paid if this goes to small claims court, but I'd rather not have to go that route. My plan is to present the driver with the estimate and ask for cash, assuming his insurance won't cover it...