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  1. #1
    Join Date
    Jan 2012
    Posts
    1

    Exclamation How to Get Insurance Coverage for Hit and Run Damage

    My question involves insurance law for the state of: NEVADA

    Person a - other party
    Person b - me

    Person a hit a 4x4 concrete wall. Person a - hits my non insured race car, my race car hits a second race car. Person's a then hits my RV.

    I called my home owners they said they will cover the wall but the repair is probably $800 but I have a 1000 deductible. The race cars are not covered since they are motor vehicles, same with the RV.

    I called Person a insurance to start a claim ( Farmers ) Person A is not the insured driver. He is a family member of the registered owner.

    The vehicle of person a is listed like this. ...

    Vehicle registered to his family member...
    Insurance policy is under someone elses name.

    My home owner insurance is not helpful ...

    The cars insurance says Its not likely for me to collect...

    The kid claimed the car stolen ... a couple days later he admitted to driving the car.


    Theres maybe 10K damage done to my car 1 ... I have about 25K in parts in this car.
    My car 2 has maybe 50K in parts in it...

    My RV has about 20K in upgrades done to it.

    Walls repair value is 500-800

    I called the nevada bar and they advised me to contact one of the listed lawyers. I called half of them.

    I was advised :

    Both insurances probably wont cover the accident...
    My only option is to either eat it or sue the kid ...
    If I win a judgment the kid will most likely file for BK and I wont get anything out of it...

    The vehicles were suppose to be transferred 12-26-11 to NW USA for preparation for race season.

    The vehicles are not commercial use they are all recreational.

    Im just looking for some advice because seriously this has been the worse experience I have gone through and EVERYONE I talk to tells me WOW theres nothing we can do for you...

    The kid was drunk when he hit my cars ... It took the police three hours for them to get there and about 15 min before they got there he took off!

    Options ? Prayers ? Any constructive feedback is truly appreciated.

  2. #2
    Join Date
    Sep 2011
    Location
    OH10
    Posts
    17,019

    Default Re: How to Get Insurance Coverage for Hit and Run Damage

    If this occurred at a track, you likely sign a waiver of liability for any accidents that occur there. Your RV may be covered by your insurance unless the damage is excluded due to the usage.

  3. #3
    Join Date
    Sep 2011
    Location
    Oklahoma
    Posts
    232

    Default Re: How to Get Insurance Coverage for Hit and Run Damage

    Did you or did you not file a claim against the car's insurance? Did they or did they not deny the claim? You don't have insurance on the RV either?

    I have 3 race cars. One has been a rolling chassis for a few years now. One is generally a roller a few months per year. All 3 are insured.

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