Hit by an uninsured driver...

[techy101]

Gah, this has me pissed the **** off...

(This was the Forester XT, not the SVX)

A couple of weeks ago I was in the far right lane of an interstate and some woman who was in the far left lane moved across two lanes, without bothering to actually look, and right into my front left fender. Not a bad crash, but about $1800 in damage. The fender had to be replaced, bumper fixed in a tiny spot and repainted, and the door repainted.

So we pull over. The woman gives me some insurance info. I wanted a police report but she said she wouldn't stay for that because she had to get her son to a band thing (Her son was actually in the car). I can't exactly force her to stay so whatever.

Well I called the troopers to get someone to come out and write a report, but they said no, they wouldn't come out because it wasn't a major crash...

I filed the claim with my insurance instead of contacting her to take care of it that way (Which was the right decision it looks like). I got the car fixed and have been waiting to hear what's happening. I had to pay my $500 deductible and was waiting to find out when I would get it back.

I talked to my claims handler on Tuesday and they hadn't been able to get a hold of the woman, and had just been contacted by the other insurance company and told that the policy hasn't been active for over a year.



So now they're going to go after her with a collection agency, but I doubt that'll do anything. If she doesn't have insurance, somehow I think she won't pay a collection agency.

So how the hell does someone get to drive around illegally without insurance, crashing into people, and get off without any kind punishment since the police wouldn't come out. But I have to eat $500. (Although, I don't know what would have happened if the cops had left and she had already left).


So yeah, it has me pissed the hell off, and it seems like I'm just ****ed and she gets to drive around and hit someone else.

Do I have any other (viable) options? If the insurance companies collection agency doesn't get anything, I don't know what small claims court would accomplish. Also, I just wanted to vent a bit.

Oh, this is in Minnesota BTW.