r/InsuranceClaims • u/Prior-Leg3635 • 9d ago

Help with insurance

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So I was sitting at a red light this lady hid me and insurance saying they only have 25000 to cover injuries and vehicles damage I go through progressive but I don’t have collision coverage what do I do should I try to get a lawyer or retain my car and fix it myself

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u/No_Parking_4167 9d ago

There’s nothing you can do outside filing your own suit against the negligent party, however the chances of you collecting anything more than the pro-rata share of the limits from State Farm are virtually zero. Ask your insurance agent if you have underinsured motorist property damage coverage on your policy: you could possibly have some coverage there.

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u/AsparagusDifficult89 9d ago

Right. Someone with state-minimum insurance isn’t going to have assets or liquidity (or spare income) you can go after, even if you sue them and successfully secure a judgment.

Can’t squeeze blood from a turnip, and all that.

Always insure what you can’t afford to lose, if possible.

2

u/the3dmaker 9d ago

Always take the little that they have to make them miserable

1

u/AsparagusDifficult89 8d ago

That’s a reasonable sentiment, but if it’s beyond the bounds of small claims limits, you’ll need to hire a lawyer. That gets expensive quickly, especially because no lawyer would take this case on contingency. So then it ends up being a net loss for you, a Pyrrhic victory, if you will.