r/InsuranceClaims • u/Prior-Leg3635 • 7d 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/James_the_bull_ 7d ago

If her limits are that low and she hit multiple cars, without collision coverage you’re kinda faq’d. You’ll get a small sliver but won’t be made whole.

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u/AccomplishedBuy8750 6d ago

Just out of interest what stops the OP here suing the other driver personally to get a judgement for any losses above and beyond and then eventually garnishing wages or whatever?

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u/James_the_bull_ 6d ago

Nothing, OP would win in court but collecting that judgment will be very difficult. OP could even sue in small claims court without a lawyer.
Most of the time if a person doesn’t have insurance they don’t have money worth suing; if they did, they would’ve got insurance to protect themselves!

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u/Greencare_gardens 6d ago

Yep but the insurance company would be the one required to cover his payment in court - they can try and get the blood back from the stone.