A listener wants to know about the insurance of the driver who hit him. I’m Amy E. Feldman.
In National Lampoon’s Vacation, Chevy Chase asks a mechanic how much the repairs cost, to which the repairman says “how much you got?” Yeah, life sometimes feels like that. Certainly to listener John H., whose car was hit by a driver whose insurance limit to cover John’s expense is only five thousand dollars, but John’s repair cost sixty-five hundred. John wants to know how that’s even possible that insurance could cover so little. Well, you know how you hear all those ads for how much insurance companies can save you? They can—by providing less coverage.
In John’s state, the minimum coverage is only five thousand dollars for property damages. Now, John could file a small claims matter against the driver personally, but John might want to get his own insurance company involved at this point and let them deal with the hassle. If an accident isn’t your fault, it shouldn’t affect your rates, although check with them first to see how much you’ll get.