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Date: Mon, 30 Aug 2004 02:19:42 GMT
From: - Bob -  <phonynospamyer.com>
Subject: Re: Saab got hurt!!!!


On 29 Aug 2004 22:08:45 GMT, lkrznospamcomnospam (LauraK) wrote: >Thanks for all the advice. Only have one accident before, and that was in a >no-fault state and 20 years ago. >I have not yet been able to get information on the insurance company of the >woman who hit me. She refused to show me an insurance card or show me a >driver's license, although the police officer said she gave him the >information. I think the police report is public knowledge. That is, you can request a copy of any information the police have. Certainly it would be available for a court case to an attorney as part of discovery. Call the police and ask them for it. I also believe that it's illegal to refuse to identify yourself to the other driver when property damage is involved - but I don't live in TN. Laws vary. >Her insurance company has not been in touch with me. >It's not on the accient report that I picked up last week. Anyone involved in a >wreck has to file a separate form with Tennessee state within 20 days, giving >insurance info. >You aren't required to present proof of insurance to get a license or a tag in >Tennessee. However, you do have to be able to prove "financial responsibilty" >if asked to produce insurance. >The whole thing is pretty confusing and not helped by the fact that my >insurance agent is in Georgia. >I've faxed my agent the information I got and she should handle the >negotiations for recovering the money from the other party. >I do have very good insurance. Includes rental car, uninsured and underinsured >motorists, etc. Even covers my medical expenses if I'm hit by a car while >crossing a street. It's a small company that just operates in the Southeast. >Rates have been excellent and I've been with them for 13 years. I hope that >will work in my favor. Just remember that in most states, it's better to collect from the other person's insurance company than from yours. In some states, your company will pay you and go after the other company but the rules vary quite a bit. Some places used independent adjusters and the two companies will accept the adjusters statement as is. Other states have company based adjusters who will argue the damage. I'm sure you'll be well versed in the intricate details before you're done. Also, in most states you can sue the person who hit you no matter what - that is, you can bring a suit against the person and let them get their insurance company involved. But again, laws vary. > > > > >lauraknospamousergraphics.com >http://www.madmousergraphics.com >web design, print design, photography >

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