Hi all,
As title suggests, got rear ended on my 1.5 months old LR MS while waiting at traffic light.(Attached picture for damage) Damage seems to be only on bumper but who knows. Here is the situation
1. The at-fault driver has neither drivers license nor insurance policy based on hand gesture communication(Driver only speak Spanish). I called police to the scene and they have to get a translator for the driver to get more information out of him
2. I described the course of the accident to the police and promised to send the tesla cam footage to police after I got home. (Which I did by now)
3. I have to leave the scene before the translator arrives because I was attending a wedding and I am groomsman. Police gave me a business card with the case#, and asked me to give the case# to my insurance company once I made the claim
So now question is, what are my options? Since it's likely the other driver is uninsured(not 100% sure if he has insurance policy since we cannot communicate with him, but no drivers license for sure), I am assuming I have to file a claim to my own insurance company which is Farmers. My policy has uninsured motorist coverage and $1000 deductible on collision. Does that means most likely I have to pay $1000 out of my own pocket even I did nothing wrong? Is there a way I can recover my financial loss?
Thanks.
As title suggests, got rear ended on my 1.5 months old LR MS while waiting at traffic light.(Attached picture for damage) Damage seems to be only on bumper but who knows. Here is the situation
1. The at-fault driver has neither drivers license nor insurance policy based on hand gesture communication(Driver only speak Spanish). I called police to the scene and they have to get a translator for the driver to get more information out of him
2. I described the course of the accident to the police and promised to send the tesla cam footage to police after I got home. (Which I did by now)
3. I have to leave the scene before the translator arrives because I was attending a wedding and I am groomsman. Police gave me a business card with the case#, and asked me to give the case# to my insurance company once I made the claim
So now question is, what are my options? Since it's likely the other driver is uninsured(not 100% sure if he has insurance policy since we cannot communicate with him, but no drivers license for sure), I am assuming I have to file a claim to my own insurance company which is Farmers. My policy has uninsured motorist coverage and $1000 deductible on collision. Does that means most likely I have to pay $1000 out of my own pocket even I did nothing wrong? Is there a way I can recover my financial loss?
Thanks.