i called the police and they showed up at like midnight. they filed a report as a hit and run. i just hope my insurance doesn't make ME pay. does anyone know how insurance companies view hit and runs?
they view them thru tiny telescopes
HAHAHHA that was a good one
i don't know, but its a really good thing that you called the cops right away. hopefully they'll catch the dirtbag that did that
It's not considered your fault, but you have to pay your collision deductible for the damage. FYI, my lawfirm does the kind of lawsuit that you might file if you decided to sue the Village Green. It sucks, but the legals bills would be between $5,000-$6,000 (just my estimate from similar cases) and you probably wouldn't see any kind of settlement money for at least 1 year, more likely 2 or 3. As long as you have a police report stating that it was a hit and run, your insurance shouldn't assess any premium increase against you. I'd call your agent just to make sure they have the whole story, though, sometimes the people at insurance agencies just push paper and don't look carefully at everything.
Sorry Toby!