@20mm - sorry, I wasn't trying to say you were wrong. You had said that you hadn't seen "uninsured property" so I was throwing out what I had on my statement to see if you had a comment (which you did - much appreciated ).

I am getting more frustrated at this point. I talked to my insurance agent and she is still waiting on the results of the trace. I emailed her a copy of the police report today also. Everything is just going so slowly. My car is still sitting in front of my house with a trash bag taped to where my drivers side window used to be. It's been 10 days and I don't feel as though I am any closer to getting my car fixed.

I am getting angrier with the guy who hit my car as each day goes by. I still think he is uninsured and the bad part is that he is still driving. I saw him pulling his car out yesterday. I thought they pulled someones license for DUI right away and at the minimum suspended it. I could be wrong though.

For a while, I felt bad for the guy because that could have been me 25 years ago. We all did stupid things in our youth. I don't feel bad for him any longer because he won't man up to what he did or what is going on. If he is driving on a suspended license or uninsured, I hope he gets pulled over again.

My frustration level is really going up with this whole mess.

I am no expert, but the people I know who have gotten DUIs have kept their license until their trial. Luckily none of them hit anything or anyone and I only know of one guy who has more than one. I would assume that it would vary by state though since each state has their own laws regarding driving, and the punishment varies based on numerous offenses. I think I remember you saying this isn't his first DUI although I didn't see it when I just scanned back over the begining of the thread. Another thing is that people do drive without licenses, if you find out that his is already gone and you see him driving around call the cops on him.

QFT.

I always loved when an applicant for the Army would say they only had one police offense - driving with a suspended license.



One thing I can honestly say is I have never driven after drinking. It has always been one of my "red lines" of personal behavior.

In my neighborhood our local repeat DUI guy has wrecked into the cable and telephone boxes so often that we now have a system so patched that it routinely just dies.

The guy finally got a year in jail for his upteenth DUI, and his family moved away.

Oh, and, um, you might be a redneck if...

I have a friend who was pulled over for DUI right before Christmas and she only lost her license because she refused a breathalyzer (she said she wasn't drunk, I said why would you refuse a breathalyzer if not drunk?) Her arraignment was a few weeks ago, the trial is in Sept. I think she loses her license at least till then, and that the administrative suspension for refusal to submit is completely separate from any criminal suspension she might get at the trial (she's in MA.)

Put your car out of commission for 10 days and the only thing you did wrong was park it and go to bed. Then come back and tell me how humorous this comment is.

Destructis,
This is typical. Frustration setting in. With some people, they have an accident on Friday afternoon and their car isn't fixed by Monday morning they go off like pop bottle rockets. You have a lot more tolerance, but at some point, and I guess you're there, you just want it over with. Do you have rental coverage on your policy? If so, I'd use it, at least you get some wheels.

And speaking of which, based on the photo you posted, it looks like the problem with being able to drive your car is the left rear wheel. Maybe you can get a mechanic to check it out. If the damage isn't too bad, get that fixed. You still have a crunched car, but at least it drives. If you go that route, be sure and tell your agent first.

Is she there local? I'd go down and sit across the desk from her and try to get some definate answers. Like when are you guys going to move on this?

Good luck.

The drivers side door won't close securely. I even had to put a little piece of cardboard over the button to turn off the interior light. Plus there is some fluid, (not sure what type) under my car right now.

I do have rental coverage, but again, it won't take effect until we confirm that they are uninsured. If they are uninsured and came out and said it when I asked for the insurance information, my insurance would have already started on my car. I talked to the agent yesterday afternoon and she was still waiting on the trace. I am going to give her until tomorrow morning before I call back again.

Here, this link may help:

http://www.carinsurance.com/CoverageDefinitions.aspx

If you notice, uninsured/underinsured applies to bodily injury, except to a limited extent when you don't carry collision coverage, or if you do, it may cover part of the deductible.

So I guess my question is, do you have collision coverage?

Think of it this way. If your wife (not you of course!) had an at fault accident where she hit another car, one that was insured, how would you get your car fixed? Not covered under uninsured motorist since the other driver had insurance. Not going to be paid from the other insurance company because it wasn't their driver's fault. So you're SOL? What if you had a lien on the car, like the bank or credit union? Those folks like to know their investment is secure even if something bad happens. No different than the insurance on your house. The mortgagee likes to be protected. In fact, you can't get a loan on a house or a car without proof of first party coverage. Meaning in the case of auto, collision and comprehensive.

OFF

The same thing happened to me in 2007... I was out having dinner with my family, and a drunk guy left the bar across the street, got into a cherry Orange '73 Ford Torino (totally sweet with a big block Ford Marine motor)... He then pulled a massive, loud, smoke filled hole-shot right from where he was parked, then promptly accelerated into a Jeep Grand Cherokee not 100' away and did massive damage, then ricocheted into another car parked about 120' behind me, bounced off, continued to accelerate and then hit my truck (about 2 months old at the time), and absolutely smashed the crap out of it, then hit a Nissan Altima parked 30' in front of me, and then onto the curb and into a tree which finally stopped him.

My truck was smashed against the curb so hard he broke both right side rims and tore those tires to bits, picked the car up, turned it 140 degrees and dropped it on the lawn of a neighboring house. I was right there when it happened, walking out to my truck. I was delayed by someone who asked for a light and I politely said I did not have one, because I don't smoke, and then VRROOOOOOOOOOOOOOOOOM BANG BANG BANG BANG BANG!!!! A few seconds earlier, or with no lighter delay, and the guy would have hit me, my daughter, and my wife. I ran to his car to see if he was ok, and the guy was pi$$ drunk! I ordered him out of the vehicle, told him to produce a valid license, reggie, and insurance, or face my considerable anger... He laughed and started giving me lip... I then punched through his side glass, grabbed him by the head and shoulders, and pulled him through the bloody window... I then poked him in the chest, hard enough to get his attention, and told him that he was f'ing with the wrong hombre... He threw a punch at me (the guy was easily my size, maybe a bit larger, but young), I ducked and I dropped him like a hot potato and then smashed both my knees down into his shoulder joints and beat his face for a few seconds... Someone , a friend of his, ripped me off of him (he's very lucky that happened), and the guy took off. I was PI$$ED!!!

The cops got him by the next day and asked me to come down and ID him and press charges, which I did. The guy actually attempted to press charges on me, and the cop frankly told him... "You DWI hit his new truck, almost killed him and his family, cursed at him and then tried to hit him, and you thought he was NOT going to kick your a$$??? You are lucky this guy did not kill you!!! Besides, those injuries look like they were sustained in one of the many collisions you had last night. Don't push your luck." I was smiling... His face was purple and swollen all over. I was just a little miffed I did not get any teeth. As the cop was passing me he says... "Damn, that guy is BIG, I would not have messed with him..." To which I replied... "He's the lucky one..."

End of a long story... My best friend that owns several body shops, fixed my truck expertly... Actually came out better than it was before... $23,000 in damages later.


-Skater