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The at-fault driver’s insurance didn’t cover all the damages

My car was parked and was hit by another driver. Their insurance limit isn’t high enough to pay for the full repair. I don’t want to have to file a collision claim and pay for a deductible as it’s not my fault – my car was parked! How can I avoid paying deductible and rental car because other party does not have a policy limit high enough to pay for the repair of both my cars.

Agent Answer

Ava Lynch

If you have uninsured/underinsured motorist, your insurance company might be able to help you. This driver would fall under the “underinsured” category, meaning they have insurance but not enough. Sometimes this coverage does have a deductible so you’ll need to check your policy documents in order to be sure. If there is a deductible or you do not have this coverage, your next step would be to take the at-fault driver to small claims court and settle it there. Best of luck.

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