asking for advice: someone rear ended my 5er in CA
last night on the I-805, someone rear ended my 530i. Of course, the driver was unlicensed and uninsured. After asking her all the questions, she basically said she had no driver's license and no insurance and then got in her car and took off.
The damage isn't severe, hopefully just some paint repair.
I have her vehicle's CA license plate number, her name and she said he had no home phone number but gave some street address. What should I do?
What are my chances on collecting anything for the paint repair? How can I get these unlicensed + uninsured drivers off the road?
Re: asking for advice: someone rear ended my 5er in CA
Sorry about your accident. Wouldn't your insurance pick it up? I don't know where you live, but there is a great shop in Santee that does a lot of work on BMW's, my friend has taken his 530i for a couple of accidents and says they are great. If finances are an issue, you mught try the body guy at Carl Nelson's, he does a lot of restoration work on older bimmers, you mufht see what he would cost you.
I don't know the name of the place in Santee, but email me if interested and I can get it for you. Carl Nelson is at La Jolla Independent 858-488-15555
Are you insured in CA?...
Assuming you live in CA, does your insurance policy include Uninsured Motorists Coverage? Since the other driver is uninsured and I'm assuming they were 100% at fault, then filing a claim would fall under your Uninsured Motorists Coverage.
And I'm pretty sure when you file a claim for damage to your car caused by an Uninsured Motorist, you don't pay any deductible. Also, I don't think filing the claim will have any negative affect on your premiums.
I believe you just file a claim with your insurance company and then they try and recoup the claim amount from the owner of the vehicle that hit you and/or the driver of the vehicle that hit you (if it's someone different than the owner) through the courts.
I had a similar experience. Guy side swiped me and kept on going. I chased him down and got his Driver's License #. Probably not a safe thing to do, but I was young and dumb. My insurance company said that if I hadn't chased down the driver and gotten his license number that it would be a Hit and Run claim against my Collision Coverage and I would have to pay my deductible. But since I got the guys DL# (he didn't own the catering truck he was driving; just drove it for work purposes) and he wasn't insured, it was an Uninsured Motorist claim and I didn't pay any deductible.
I'm assuming you're a CA licensed driver and have Uninsured Motorist Coverage (which I believe is required).
Any lawyers or insurance people feel free to chime in and correct me if I'm mistaken.
I'm not an attorney, but have been...
called an _*******, so that's close enough.
What you said.
Re: Contact the police...
In a situation where a person has NIETHER insurance coverage or a D.L., the CHP will contact her, give them a visit & impound their car. Thats Calif. State law (or protocol in this case).
Hindsight is 20/20, but...
You should have called the cops, which they will automatically impounded her car right on the spot and issued her a citation for driving without a license and insurance. You really don't want to take a chance on someone who has no license or insurance, and by calling the cops, you're doing other people in SoCal a HUGE favor.
Uninsured motorists insurance is not a requirement in CA, but it is definitely a good idea, especially in LA, where they said close to 40% of the drivers are not licensed/insured. In most policies, you do have to pay for the deductable that they state in the contract. For the uninsured motorist insurance on my car, I have a $0 deductable because it was only a $5/month difference from a $500 deductable.