What do I do if someone hits me and provides false insurance information?
A car hit me on my driver's side door while changing lanes. We exchanged information and I contacted his insurance company to start the claim. Now they are saying that he was never insured with them and they won't pay for the damage. What do I do to get my car fixed?
Your best bet would be to contact your insurance company for assistance. If you had collision coverage on your policy at the time of the accident then your company should cover your damage anyway. Either your insurance company eats the cost of the claim, minus your deductible, or they will subrogate with the insurance company covering the vehicle that hit you. Regardless of the other driver's insurance status, your company should be able to fix your car if you had collision coverage.
The resulting damage from hitting a pothole is actually considered an "At Fault" accident and would be covered under the collision portion of your policy. The reason this is the case is because insurance companies expect drivers to operate their vehicles safely and watch for hazards in the road to avoid frivolous claims.
Furthermore, even if you aren't at fault in a crash, your insurance company can still be liable for your injuries or damage to your vehicle through your uninsured motorist coverage. This coverage is designed to cover you in the event the at-fault driver does not have any coverage or enough cover to pay for your losses.