Help, legal question... basicaly (long)

Aandidar · Sir Postalot Joined: 23 Oct 2002 Posts: 1182

Ok, here's the short version.

I'm travelling west-bound on a road, I come to an intersection, get into the turning lane. The light turns yellow (there is no turn signal at this light, so I turn when it goes yellow) I'm half way through my turn when the light turns red.

A car travelling east-bound, same road, runs through the red and hits me on the front side passanger side. We both get out of our cars and walk over to where we hit to look at the damage. My car has cosmetic dmg (thx buick for building tanks) his little geo is total'd. Radiator cracked, spitting out water, engine stalls.

There was a police officer north bound on the intersecting road behind a few cars, waiting for green. He turns on his siren and starts to come through traffic to get to the accident. Guy and myself turn to our cars for what I assumed was to get licence and registration. I get into my car to get mine, open my glove box and start shuffling through papers.

I look up and notice guy is walking past my car. I look at him questioningly and he holds out his hand toward the traffic and looks at me. I think ok, he's stopping traffic so we can get out of the road. Pretty standard for an accident. I look down to start my car and shift into drive. I look up to make sure he has traffic stopped and.... he's not there.

There is a woman standing on the corner of the intersecting waving her arms at me shouting "He ran" "He ran that way" pointing off in the direction she saw him running. At this point he's out of sight so the police officer that just now got there couldn't go after him. He didn't even know he wasn't there. He asked me if my car was driveable and if I could get it off the road. He then asked me where the other driver was. I told him He ran... that way.

He says ok, if you can please drive your car to a safer location than the middle of the road. The two cops that took the report were really nice and considerate. I was un-nerved by the wreck and the guy running really set me off even more. I doubt I was coherent for a couple minutes. They calmed me down and asked me to get my insurance/registration/licence.

So we're doing the report when I ask the Officers if theres anyway to tell if the vehicle is insured. The Officer then goes to the car and gets in the glove box. There is no insurance in the glove box. It turns out that the car is owned by a person other than the guy that was driving it, a female.

The Officers then run her though their system and find out that the female was in fact cited and given a ticket for not having insurance just last week. So most likely there is no insurance on the car that hit me. My insurance will not cover the dmg due to the fact that I do not have un-insured moterist, just liability.

So at this point all we know is the name of the owner of the vehicle. The police are going to investigate and question the owner. The car was not reported stolen BEFORE the accident. If she says it was stolen it'll be a matter of if the police believe her.

Now the question part: How do I go about independantly sueing these bastards since my insurance won't take part? Cause I don't want to pay for something that wasn't my fault Evil or Very Mad

Help, legal question... basicaly (long)

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